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BusinessWeek May 10, 2004 Carol Marie Cropper	Premiums You Can Retrieve An old insurance product is back that refunds every penny paid in premiums if you outlive the 15-, 20-, or 30-year term of the policy.
Entrepreneur March 2007 Jacquelyn Lynn	Stayin' Alive For businesses needing key person coverage, insurance to collateralize loans or meet the requirements of buy/sell agreements, or life insurance for other reasons, ROP is an attractive alternative to traditional term or permanent life insurance.
Entrepreneur December 2004 Jacquelyn Lynn	Live Long and Prosper One of the hottest life insurance products on the market right now is Return of Premium. If you insure your key employees or buy-sell agreements, you might want to consider this option.
The Motley Fool April 23, 2009	Why You Need a Renewable Term Life Policy How to attain ongoing life insurance coverage regardless of your health.
Registered Rep. November 20, 2012 Alan Lavine	Lock into Long-Term Care with Hybrid Policies Combining life insurance and annuities with long-term care policies can protect against premium hikes or the risk of never making a claim. Here's how to make sure they are right for your clients.
BusinessWeek February 21, 2005 Peter Coy	Scared To Death Of Life Insurance Choosing the amount of coverage is hard. The trick is to think like an economist.
Financial Advisor January 2009 Mary Rowland	Getting The Most From No-Lapse Coverage No-lapse universal life keeps growing, but few understand these policies.
The Motley Fool October 26, 2007 Buz Livingston	Buy Term, Young Man Don't fall for insurance hype. By taking up so much of a young family's budget, whole life doesn't give most families the balanced financial plan they need.
Registered Rep. October 17, 2011 Alan Lavine	Tune Up: Sometimes It Makes Sense to Exchange a Client's Life Insurance Policy Today's life insurance policy may provide more benefits at a lower cost than coverage purchased more than a decade ago.
The Motley Fool May 5, 2004	Whole Life vs. Term Life Whole and term are the two main forms of life insurance you should understand. Buy the kind of insurance that makes the most sense for you.
The Motley Fool March 4, 2004	Term vs. Cash Value Insurance Don't spend more than you need to on insurance. Deciding if you need term life or cash value insurance.
Entrepreneur May 2005 Scott Bernard Nelson	Safety Net? Insurance companies are offering plans that move beyond traditional long-term care. But do they really protect the entrepreneur's assets?
The Motley Fool April 22, 2009	Term Life vs. Cash Value Insurance Policies Make sure you're getting the right insurance protection for your family.
The Motley Fool October 30, 2006 Tim Beyers	Foolish Advice on Life Insurance Life insurance seems simple. And it should be. But more and more agents are selling complex, commission-boosting products that do little for consumers. Be cautious and buy only the minimum.
Financial Planning August 1, 2010 Scott Schutte	Ditch the Declination As clients move past their accumulation years, risk management becomes even more critical to the defense of a solid financial plan.
The Motley Fool March 31, 2004	Term vs. Cash-Value Insurance There's no reason to pay a premium price for your insurance.
Registered Rep. October 21, 2014 Alan Lavine	Should You Use Term Insurance for Younger Clients? Financial advisors often favor term insurance for young couples. The cost savings over permanent life can be used to fund other financial planning needs.
Financial Planning August 1, 2008 Donald Jay Korn	You Bet Your Life Financial planning clients that no longer want to pay premiums for life insurance traditionally stopping premium payments or surrendered the policy to receive any cash value. Recently, yet another path to liquidity has opened: life settlements.
AskMen.com Michael Estrin	Q&A: Credit Checks, Retirement Plans & More Answers to questions everybody asks: How do I check my credit?... How can I save money if I don't make a lot?... Is it too early to think about retirement? etc.
Financial Planning March 1, 2010 Ed Cassidy	New Life It's become a familiar story for advisors: Their affluent clients are now facing a changed reality. The financial crisis has left them feeling they have to choose between their well-being and their children's inheritance.
Registered Rep. August 19, 2014 Alan Lavine	The Hidden Costs of Partial Premium Payments Pay careful attention to the hidden interest charges your clients are paying on their insurance policies -- they are higher than you think.
The Motley Fool August 31, 2007 Dan Caplinger	Keep Life Insurance Simple Why make a useful tool more complicated than it needs to be? Life insurance is a helpful tool to have.
BusinessWeek October 31, 2005 Toddi Gutner	Wanted: Your Life Insurance Investors are keen to offer "life settlements," where they buy your life insurance policy for cash. Seller beware. Before you grab the money from an eager buyer, get some good advice from a financial planner, an estate attorney, or even your doctor.
The Motley Fool October 10, 2007 Dan Caplinger	The Worst of Both Worlds Low returns and inflexible investments have made whole life insurance obsolete. Before you buy whole life, take a look at your other options, odds are, you'll find one that's better for you.
BusinessWeek July 12, 2004 Howard Gleckman	Providing For Your Own Care Long-term care insurance is getting even more pricey, so shop carefully.
Investment Advisor May 2009 Lewis Schiff	The Affluentialist: Why The Affluent Need LTC Insurance The high cost of health care was the second chief concern of wealthy Americans in a recent Northern Trust survey.
The Motley Fool August 3, 2007 Dan Caplinger	When to Buy Long-Term Care Insurance Long-term care insurance pays out financial benefits to help you pay the expenses of nursing homes and home health care. Should you buy now, wait, or just skip the whole thing?
Registered Rep. January 18, 2011 Alan Lavine	Insurers Raising Premiums, Changing Terms on Long-term Care Policies If you're selling long-term care insurance to clients, it's best to stay away from carriers with a history of raising premiums or discontinuing other types of insurance coverage.
Registered Rep. October 23, 2013 Kevin McKinley	Five Reasons to Keep a Life Insurance Policy Even a couple who seems to be financially-independent will find that an "unneeded" life insurance death benefit may actually come in handy down the road.
Financial Planning March 1, 2012 Donald Jay Korn	Settling Down A financial planner may find it difficult today to help a client sell a life insurance policy at an appealing price. Nevertheless, some policies are being sold, so planners might want to consider exploring the possibility with clients who are likely candidates.
The Motley Fool November 4, 2011 Robert Brokamp	Give Your Life Insurance a Checkup Are you getting the right amount of life insurance?
Registered Rep. July 18, 2011 Alan Lavine	Considering Life Insurance for Single Clients More than half -- 54 percent of single men and 58 percent of single women -- lack life insurance coverage.
Investment Advisor May 2006 Marlene Y. Satter	Insurance Update: The Whole Picture Beyond helping clients grow their assets, financial advisors need to know what's available to protect their clients' financial security and quality of life. Here is a life insurance product that does just that.
The Motley Fool November 15, 2005 David Braze	Should You Buy Long-Term Care Insurance? An insurance policy can help pay for senior care, but it may not be right for everyone.
Registered Rep. November 30, 2015 Kevin McKinley	Five Estate Planning Moves Advisors Should Consider You may not be a lawyer, but there are still several strategies you can employ to save money for your clients and their families, while avoiding potential headaches and heartache down the road.
Financial Planning December 1, 2009 Donald Jay Korn	Prudent Policy Agents should help their clients reevaluate their insurance policies at the end of every year.
Financial Advisor April 2006 Bruce W. Fraser	Cashing In On Cashing Out Despite the potential for abuse, life settlements (selling life insurance policies early) is a growing industry and may be a viable option for insured seniors and advisors alike -- under the right circumstances.
On Wall Street September 1, 2013 Mason Braswell	Pitfalls of Long-Term Care Insurance Products Designed to allay your clients' worst fears about aging, these insurance products sometimes come with their own nightmares.
Financial Planning April 1, 2011 Ingrid Case	Crisis Brewing Many long-term care policy owners received uninsulated surprises recently -- substantial rate increases from carriers including MetLife, John Hancock and TransAmerica. What alternatives can planners suggest to clients?
Investment Advisor June 2008 Bob Clark	Turning the Tables Larry Fondren's latest mission is to provide alternatives to the current life settlement approach for consumers who want or need to liquidate their assets in life insurance policies.
The Motley Fool December 5, 2008 Dan Caplinger	Can You Afford This Bailout? Companies including MetLife, Manulife Financial's John Hancock division, and Genworth Financial have increased long-term care premiums -- increases that many policyholders never expected to see.
Investment Advisor July 2008 Lewis Schiff	A Special Kind of Life Insurance Private Placement Life Insurance is not for everyone, but for those clients who are concerned about estate taxes and have sufficient assets to protect, PPLI offers tax-advantaged hedge-fund investing and other benefits.
BusinessWeek November 3, 2003 Anne Tergesen	Deflecting A Blow From Uncle Sam How executives can avoid a new tax on their "split-dollar" insurance perk.
Registered Rep. August 1, 2005 Jen Coates-Conroy	Protecting a Client's College Savings Investments in 529 plans are not as popular as they could be -- and that's saying something because they are pretty popular right now.
Entrepreneur March 2010 Rosalind Resnick	Get the Most Out of Life Knowing what you're getting into with life insurance will prevent you from overpaying - and from being underinsured.
CFO May 15, 2012 David McCann	Key-Person Insurance: A Cash-Flow Caveat Classifying premiums paid on company-owned life insurance policies as an operating use of cash can distort operating and free cash flows, says a new study.
Reason March 2009 Ronald Bailey	Pay Up A new study, by economists at Brigham Young University, the Brookings Institution, and the National Bureau of Economic Research, found that community rating raises premiums by 10 percent to 17 percent for individual policies and by 21 percent to 33 percent for family policies.
Inc. October 2007 Elaine Appleton Grant	Passing It On Using life insurance as an estate planning tool.
AskMen.com Nick Kennedy	Unnecessary Life Insurance Policies How much of a death benefit do you need? The answer just might be none.
Inc. December 2005 Alison Stein Wellner	Do-It-Yourself Insurance There is a competitive market for individual insurance policies. But you may want to think twice before sending your employees off on their own.