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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. |
BusinessWeek July 30, 2007 Matthew Goldstein |
Even The Insurers Have Hopped On Board Most insurers also realize life settlements aren't going away -- and so they're getting into the game. By sinking money into the sector, insurers can get back at least some of the money they now have to pay out in death benefits. |
Investment Advisor December 2009 Marlene Y. Satter |
Insurance Update: Kiss of Death? Life settlements can be good, but what about once they're securitized? |
Investment Advisor May 2008 Marlene Y. Satter |
If A Stranger Calls Older clients may be tempted by stranger-oriented life insurance, but beware, it may not be as good as it sounds. |
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. |
The Motley Fool December 21, 2006 Dan Caplinger |
Should You Take a Viatical Settlement? Although finances may be a difficult subject to handle during a personal health crisis, taking a viatical settlement may make a big difference in the quality of care that one gets and can take at least one worry away from family members. |
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. |
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 February 21, 2007 Mary Dalrymple |
Life Settlements Laid Out Understand this new marketplace before considering selling your life insurance. |
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. |
Registered Rep. September 1, 2004 |
Funny Fact AmeriFirst Financial Services announced last month that it is launching a fund that invests in the death benefits due from life insurance policies. |
Financial Advisor August 2006 Mary Rowland |
Unsettled Controversy and critics still shadow the growing life settlement market. Financial advisors should take a look at this segment and determine if -- and how -- they might evaluate it as an option for affluent clients in their retirement years. |
On Wall Street October 1, 2010 Bill Carlino |
Life Settlements Stage A Comeback With roughly $1.5 trillion of in-force life insurance either lapsing or surrendered on an annual basis, life settlements are slowly inching their way back onto the investment landscape. |
Investment Advisor December 2009 Marlene Y. Satter |
On the Other Hand Doug Head, executive director of the Life Insurance Settlement Association (LISA), flatly denies that STOLI is a problem. |
Financial Planning June 1, 2005 DeFrancesco & Salani |
A Hidden Asset How clients can turn life insurance into cold, hard cash while they're still alive. |
The Motley Fool September 11, 2009 Dan Caplinger |
This New Product Could Save Wall Street Financial institutions move to securitize life insurance. In this case, what's good for securities underwriters may be bad for life insurance companies. |
Investment Advisor July 2009 Tere D'Amato |
Expert's Corner: When A Sure Thing Goes Bust It's time to get educated about Stranger Owned Life Insurance. |
Investment Advisor September 2008 Melanie Waddell |
LTC Payouts: $3.5 Billion in '07 Approximately 180,000 Americans with long-term care insurance policies were paid benefits in 2007, according to a new study. |
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? |
Investment Advisor January 2010 Marlene Y. Satter |
Insurance Update: Dead to Rights If clients want to get a settlement for their life insurance policies, or invest in securitization of life insurance settlements, what should advisors tell them? |
BusinessWeek July 30, 2007 Matthew Goldstein |
Profiting From Mortality Death bonds may be the most macabre investment scheme ever devised by Wall Street. What especially worries regulators are so-called stranger- initiated deals, in which an investor persuades people to take an expensive policy and lends them money for the premium. |
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. |
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. |
The Motley Fool July 5, 2006 Dan Caplinger |
Get an Insurance Checkup: Part 1 The purpose of insurance is to protect you against risks that you face, and because the risks you face change over time, your insurance needs change over time as well. |
Investment Advisor February 1, 2011 Marlene Y. Satter |
Beating the Odds The life settlement industry can bring both danger and opportunity. |
Financial Advisor December 2008 Mary Rowland |
Lasting Legacy? A new loan program could drastically change the life settlement market. |
The Motley Fool September 3, 2010 Dan Caplinger |
Don't Make This Life-Changing Mistake Too many people have given up life insurance coverage. |
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. |
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. |
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 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. |
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. |
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. |
BusinessWeek July 30, 2007 Matthew Goldstein |
Life Settlements: Betting on Death From the Lowinger clan to hedge funds, investors are cashing in on the business of trading unwanted life insurance policies. But buyers should be wary. |
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. |
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. |
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. |
CRM January 2014 Leonard Klie |
Is There Life After Death for Loyalty Points? Colloquy report shows varying bequeathing policies for leading airline, hotel, and credit card loyalty programs. |
Managed Care June 2002 |
Small Companies Seeking Caps On Premiums Small-business owners in Michigan have released a survey that they hope will prompt legislation to prevent some health insurers from "overpricing" policies. |
InternetNews August 6, 2009 |
Survey: Businesses Lack Social Media Policies Companies are eager to use social media but too many are reluctant to police their use. |
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. |
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 March 31, 2004 |
Term vs. Cash-Value Insurance There's no reason to pay a premium price for your insurance. |
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. |
Commercial Investment Real Estate May/Jun 2015 Mary Stark-Hood |
Liability Solutions Commercial real estate practitioners need to be concerned about liability issues that can result from handling complex transactions. A comprehensive real estate errors and omissions policy is a necessity. |
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. |
The Motley Fool February 21, 2007 Mary Dalrymple |
Study Before Selling Your Life Insurance If you shun full-service brokers and their high commissions and fees, don't fall for a life settlement that's more in your advisor's interest than your own. |
The Motley Fool January 25, 2011 Dan Caplinger |
You'll Pay More for This Must-Have Protection Long-term care insurance is becoming harder to afford. |
Investment Advisor October 2006 Savita Iyer |
Seeking Liquidity Is the life settlement business ready to take off? It depends on whether consumers are willing to accept the fact that life insurance policies can be used for purposes other than what they were originally purchased for. |
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? |