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Investment Advisor June 2009 Marlene Y. Satter	States' Basic Protection While coverage available from the 52 state guaranty associations (including the District of Columbia and Puerto Rico) differs from state to state, basic limits of protection are set by most states. Information for advisors follows.
CFO April 1, 2003 David M. Katz	Holes in the Net? Insurers' woes are mounting -- and your company's coverage may be at risk.
Registered Rep. August 21, 2012 Alan Lavine	Avoid These Overlooked Selling Mistakes What better place than Florida, the retirement capital of the world, to see how registered reps can screw up selling something like life insurance.
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.
Financial Advisor July 2008 Allen Hamm	A Better Option The long-term care insurance industry is up to a new trick: Marketing LTC insurance through groups.
Investment Advisor September 2007 Marlene Y. Satter	In the Meantime Despite the recent bad press, you still have to recommend long-term care insurance to your clients. What do you do?
Financial Advisor September 2007 David J. Drucker	Your Client's Hidden Risk Not only are "sophisticated" consumers unfamiliar with the shortcomings of their homeowners insurance, many financial advisors need to get a clue as well.
Investment Advisor May 2010 Marlene Y. Satter	Easy Rider Redux Advisors might find a tough subject easier to broach with clients.
Registered Rep. May 17, 2011 Alan Lavine	For Good Insurance, Get a Financially Sound Insurer The near collapse of the financial system in 2008 and 2009 makes it prudent to recommend the financially soundest insurance companies -- even though their premiums may be higher than those of lower-rated competitors.
Registered Rep. September 1, 2004 Jason Van Steenwyk	E & O and U Since 2001, advisors nationwide have been rocked with increases in professional liability insurance premiums.
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.
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.
Investment Advisor March 2009 Marlene Y. Satter	Insurance Update: Around for the Long Term? Bad news is making headlines everywhere; long-term care insurance is no exception.
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.
Registered Rep. March 11, 2011 Mark Miller	Navigating the Long-Term Care Minefield Long-term care insurance is a tough market to navigate -- for clients and planners alike.
BusinessWeek July 12, 2004 Howard Gleckman	Providing For Your Own Care Long-term care insurance is getting even more pricey, so shop carefully.
Financial Advisor May 2012 Alan Lavine	Sudden Impact How can advisors minimize the effect of large losses in a retirement portfolio just when clients want to begin withdrawals?
Financial Advisor January 2009 Allen Hamm	Read Carefully Big improvements have come to long-term care insurance, but financial advisors need to be aware that some policies still contain unacceptable restrictions for accessing benefits.
Financial Advisor February 2004 Dorothy Hinchcliff	To Buy Or Not To Buy? That's still a big question for clients when it comes to long-term care insurance.
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.
Financial Planning February 1, 2010 Donald Jay Korn	Combo Care After more than three years of waiting, new tax laws may increase the popularity of life insurance and annuities with long-term-care riders.
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.
Investment Advisor September 2010 Marlene Y. Satter	Insurance Update: Is It Really a CLASS Act? How the new government long-term care insurance program may affect your clients.
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.
Registered Rep. April 15, 2014 Alan Lavine	Rethinking the Need for Immediate Annuities With today's low interest rates, immediate annuities may serve as a good proxy for bonds in older clients' investment portfolios.
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?
Financial Advisor May 2010 Alan Lavine	Sizing Up Annuities In the wake of the recent financial meltdown, the income guarantees offered by annuities have become quite attractive. The payouts are appealing, but do your homework.
Financial Advisor May 3, 2010	Frontline News News: CFP Board Posts Anonymous Case Histories... Rx Needed For Long-Term Health Care Companies... Plan Ahead To Cushion Medicare Surtax... Estate Planning? More Americans Say 'No Thanks'... Investors Seek More Advice... more...
The Motley Fool July 5, 2006 Dan Caplinger	Get an Insurance Checkup: Part 2 Insurance is a tricky subject, rife with complexity and confusing language and concepts. If you remember that your main goal in buying insurance is to reduce your own risk, it's easier to evaluate exactly what risks you have and therefore what sort of insurance you really need.
Financial Advisor June 2004 Gregory Bresiger	Advisors Are Living Dangerously Professionals continue to grapple with the question of errors and omissions insurance coverage. They believe that it is unnecessary. These uninsured advisors, one insurance executive says, run in the thousands.
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?
Financial Advisor May 2007 Tracey Longo	Unfulfilled Promises? With LTC insurance sales down in 2006, here's what some financial planners are doing to pick up the pace.
Financial Advisor May 2008 David J. Drucker	The Inconvenient Truth About Health Insurance Health insurance has become one more area of planning that finds itself on a growing list of risks advisors aren't adequately addressing in their clients' financial plans.
Financial Advisor January 2011 Ben Mattlin	Long-Term Headache What the recent convulsions in the long-term care insurance business mean to you.
The Motley Fool December 29, 2006 Ryan Fuhrmann	A Closer Look at Insurance Stocks Insurance companies provide an invaluable service by allowing individuals to pool and share risk. The challenge for investors is locating companies with proven abilities to profitably navigate an uncertain future.
Financial Planning April 1, 2006 Ed McCarthy	Critical Coverage Even the best-tended assets are at risk when clients suffer from extended illness or injury. Here's how financial planners are protecting them.
Registered Rep. January 1, 2007	Insuring Your Future with Insurance? Insurance is an important component of wealth management, and too few reps have made the effort to fit it into client portfolios. Insurance is something you need to know how to use.
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.
National Real Estate Investor April 1, 2003 Chapman & Valley	Terrorism Insurance: Why Owners Are Balking Not all property owners are buying coverage. Many landlords who believe their properties pose a low risk for a terrorist attack are declining to accept coverage because they think it's too pricey or unnecessary. The repurcussions of this are felt throughout the industry.
Registered Rep. September 1, 2005 Chris O'Leary	The Trouble With Annuities For registered reps, annuities, one of the most lucrative and complex items in an advisor's repertoire, can appear to be a cure-all for clients. Clients seem to love them, because of the guaranteed income -- even if they don't understand them.
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 June 2012 Alan Lavine	Tough Business Major players exit variable annuities, but VA sales are up overall.
The Motley Fool November 4, 2011 Robert Brokamp	Give Your Life Insurance a Checkup Are you getting the right amount of life insurance?
Financial Advisor March 2004 Tracey Longo	Making The Grade With Variable Annuity Exchanges With the creation of one-shot wrinkle reducers like Botox, battery-operated automobiles and cloned humans, can a world where there is no need to replace variable annuities be far off?
The Motley Fool February 24, 2004 J. Graham	Beware of Brokers Bearing Annuities Annuities may sound good, but their costs overwhelm their benefits. Stockbrokers and financial advisors love to sell annuities because of the high commissions they reap. My ex-broker sold one to me, and it has proven to be the most restrictive, highest-cost, least-liquid, and poorest-performing investment in my portfolio.
The Motley Fool September 15, 2008 Dan Caplinger	Are Annuities At Risk? With the financial troubles that annuity giant AIG currently faces, investors are concerned about what could happen to their annuities if the insurance companies backing them don't survive the credit crunch.
Entrepreneur June 2003 Mark Henricks	Risky Business On the lookout for small business insurance? You might have to re-evaluate your risk tolerance first.
Registered Rep. October 23, 2012 Mark Miller	Playing Health Insurance Roulette Most seniors will need long-term care at some point. Here's how to plan for that.
BusinessWeek September 24, 2007 Aaron Pressman	Retirement Made Complicated Why equity-indexed annuities have a bad name and what investors need to know.
Financial Advisor November 2006 Mary Rowland	The Future Is Immediate Annuities Forget plastics and hedge funds. Clients sleep better with a steady income. Financial advisors know about immediate annuities. But do you use them?