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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.
The Motley Fool July 26, 2005	Term vs. Cash-Value Insurance: Which Is for You? Be a careful shopper when it comes to cash-value insurance.
The Motley Fool March 31, 2004	Term vs. Cash-Value Insurance There's no reason to pay a premium price for your insurance.
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.
AskMen.com May 14, 2001 Luis Rodrigues	Do You Need Life Insurance? Some people believe that having life insurance -- planning for their death -- will bring misfortune to their lives, and would rather not have any at all. Unfortunately, too many people don't realize the importance of life insurance until it's too late...
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 November 4, 2011 Robert Brokamp	Give Your Life Insurance a Checkup Are you getting the right amount of life insurance?
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.
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.
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.
Registered Rep. June 1, 2006 Kevin McKinley	Premium Option When financial advisors start offering life insurance to their clients, they soon learn how wide the divergence is between term and permanent policies. Permanent policies are much more lucrative for advisors and provide some cash for clients during their lifetime.
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.
Financial Advisor January 2009 Mary Rowland	Getting The Most From No-Lapse Coverage No-lapse universal life keeps growing, but few understand these policies.
BusinessWeek November 29, 2004 Suzanne Woolley	Insurance: Take A Good, Hard Look Here's how the Spitzer investigations of the industry could affect you and how to handle insurance-related issues.
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?
Insurance & Technology January 9, 2009 Anthony O'Donnell	The Hartford Forms Distribution Partnership with Intuit Intuit will market The Hartford's XactPAY Web premium payment platform, and the carrier will in turn market Intuit's payroll solution to its small business commercial agents.
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.
Financial Advisor March 2012 Karen DeMasters	Long-Term Scares As premiums for long-term care insurance go up and more large providers pull out of the market all together, the landscape for long-term care insurance is changing dramatically.
Investment Advisor September 2005 Melanie Waddell	The Care Calculation Sales are down and premiums are up for long-term care insurance, but the cost of long-term care continues its steep increase. Advisors need to learn more about this product and discuss it with clients.
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.
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.
Financial Advisor June 2008 Bruce W. Fraser	VUL: Pros And Cons When your clients are facing one of the more turbulent markets in recent memory, should you be recommending variable universal life insurance to your clients?
Financial Planning June 1, 2005 Donald Jay Korn	Look Closer Optimistic projections and underwhelming returns have shown that variable universal life insurance must be recommended--and monitored--with caution.
The Motley Fool July 18, 2006 Buz Livingston	Return This to Sender Beware of return-of-premium riders on term life insurance.
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.
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.
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.
The Motley Fool February 1, 2005	Long-Term Care Insurance Tips If you're in the market for long-term care insurance, good for you! It's not something to ignore, and many of us would be smart to get it.
AskMen.com Michael Estrin	Insurance Company Scams Three categories -- home, car and health -- in which insurance companies may try to pull the wool over your eyes.
The Motley Fool February 26, 2007 Dan Caplinger	Spring Cleaning for Your Investments Just as getting rid of some unnecessary junk around the house can be good for your personal well-being, taking a critical look at your investments from time to time is extremely valuable.
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.
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.
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.
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.
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.
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.
The Motley Fool March 23, 2009 Chuck Saletta	Options for a Successful Retirement Selling covered calls can help shore up your nest egg.
BusinessWeek May 2, 2005 Carol Marie Cropper	A Combo Policy For Long-Term Care Life insurance with an accelerated benefits rider can be used to cover the cost of nursing homes if the policyholder needs it for long term care.
Financial Advisor June 2009 Raymond Fazzi	VUL Slides With Market Variable universal life continues to be the black sheep of the life insurance product family.
The Motley Fool August 27, 2004 Roy Lewis	How Does Insurance Affect Your Taxes? Which plans are deductible, and which are taxable? Here's help sorting them out.
Financial Planning September 1, 2011 Joseph A. Tomlinson	Is Long-Term Care Insurance Worth It? It requires a big investment of time for advisors to learn enough about long-term-care insurance to be helpful to clients.
BusinessWeek July 12, 2004 Howard Gleckman	Providing For Your Own Care Long-term care insurance is getting even more pricey, so shop carefully.
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.
The Motley Fool March 28, 2005	What Happens If You Can't Work? Know what to look for in disability insurance.
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.
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.
Registered Rep. November 15, 2011 Alan Lavine	A Good Marriage: Life Insurance and Annuities What do you get when you splice together a life insurance policy and an immediate annuity? A reversionary annuity. Yes, that's a mouthful, but it carries some of the advantages of each and is ideal for certain kinds of clients.
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.
The Motley Fool April 9, 2009 Dan Caplinger	A Profitable Tip When You Take Profits If you're willing to use a slightly complicated strategy using options, you can boost your profits without taking on any more risk than you're comfortable with.
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.