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Investment Advisor November 2006 Marlene Y. Satter |
Insuring the (Previously) Uninsurable Getting through the underwriting has become a major issue in buying life insurance, whether whole or term. But cancer may no longer disqualify individuals for life insurance coverage. |
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. |
Financial Advisor July 2005 David J. Drucker |
The Secret World Of Impaired Risk Annuities Many financial advisors who either sell and/or advise on the purchase of risk management products are still unaware of certain product nuances. Specifically, most advisors are familiar with immediate fixed annuities, and yet may know little about impaired risk annuities. |
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 April 1, 2007 Elizabeth O'Brien |
Are Your Clients Covered? Today's healthcare system demands vigilance from consumers and planners alike. Some financial planners are taking on the complex, expensive market for individual health insurance. And they're finding solutions. |
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 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. |
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. |
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. |
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. |
Financial Planning April 1, 2008 Donald Jay Korn |
Healthcare Without Medicare For many under-65 retirees, the most important question for them to think about is "How's your health?" |
Investment Advisor August 2006 Marlene Y. Satter |
Insurance Update: Insurance Multitasking Long-term care insurance is frequently a hard sell, until people are older and often ineligible for coverage. Planners thus may be interested in a multifaceted strategy that answers several needs at once. |
BusinessWeek July 12, 2004 Howard Gleckman |
Providing For Your Own Care Long-term care insurance is getting even more pricey, so shop carefully. |
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 2011 Ben Mattlin |
Good Behavior Or Bad? There is a burgeoning trend among certain life insurers to use personal electronic data to assess insurance eligibility. |
Registered Rep. November 18, 2014 Alan Lavine |
Insuring Two Lives is Cheaper Than One First-to-die life insurance, also known as "joint life," may be a lower-cost way for a couple -- or even two small business owners -- to simultaneously get permanent life insurance. |
Financial Planning November 1, 2011 Donald Jay Korn |
Barely Covered When the going gets tough, the tough cut costs. Clients worried about their finances may think about dumping big expenses that may seem to be a luxury, such as disability insurance. In this case, they would likely be wrong. |
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. |
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. |
Registered Rep. January 2, 2013 Kevin McKinley |
Mapping the Medicare Maze Advisors can shed some much-appreciated light on this crucial but confusing program. |
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 August 2010 Alan Lavine |
A Good Fit Immediate annuities fit well in retirement income plans. |
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. |
Registered Rep. May 20, 2014 Alan Lavine |
Should You Buy a Critical Care Rider? More than 10 insurers, including American General, Prudential and Nationwide Guardian, have added chronic illness riders to their life insurance policies, according to published reports. |
The Motley Fool January 25, 2007 Dan Caplinger |
Fight for Your Rights: Health Insurance Claims Because you're paying for your health insurance coverage, you should get everything you're entitled to receive. |
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. |
Investment Advisor May 1, 2011 Marlene Y. Satter |
Changing Strategy The latest of The Hartford's innovations are only harbingers of things to come |
Registered Rep. August 15, 2011 Alan Lavine |
Investors Flock to Variable Annuities With Guaranteed Benefits, But Beware Retiring baby boomers are pouring their money into variable annuities with guaranteed lifetime withdrawal benefits. |
Investment Advisor March 2006 Robert F. Keane |
Safety First No one wants to pay for E&O insurance, but advisors admit it helps them sleep better. |
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 November 2011 Alan Lavine |
Finding A Floor Annuities gain traction in a world of low returns. |
Investment Advisor November 2007 Marlene Y. Satter |
The Swinging Pendulum For a while, disability insurance was tough to get, but it's loosening up now. Here are some ways financial planners can help. |
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. |
The Motley Fool March 24, 2010 Matt Koppenheffer |
3 Lowlights of Health-Care Reform It's barreling forward, but what will it do about costs and quality? |
This Old House Jeffrey Rothfeder |
Beef Up Your Insurance If you haven't checked your homeowner's policy in a while, you may be in for some nasty surprises. |
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. |
The Motley Fool January 22, 2007 Dan Caplinger |
Understanding Medicare: Benefits Medical coverage for seniors is a big part of a strong retirement-protection plan. |
Investment Advisor July 1, 2011 Marlene Y. Satter |
Rx for Disability Your physician and dentist clients in search of coverage may be interested in a different definition of disability. |
Investment Advisor December 2006 Marlene Y. Satter |
Physician, Insure Thyself After a long dry spell, physicians and dentists are once again able to get disability insurance coverage that matters. Here is how financial advisors can help. |
The Motley Fool November 4, 2011 Robert Brokamp |
Give Your Life Insurance a Checkup Are you getting the right amount of life insurance? |
Health September 2007 Suz Redfearn |
Nine Secrets Health Insurers Don't Want You to Know It's true, they do make it hard to get the money you're entitled to. Here's how to get them to pay up. |
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? |
Registered Rep. September 21, 2010 Alan Lavine |
Empty Nesters May Still Need To Purchase Life Should your empty nester clients get life insurance? Perhaps -- if they have a lot of personal and/or business liabilities or concerns about estate taxes. |
The Motley Fool April 26, 2007 Dan Caplinger |
Don't Quit Your Health Insurance Quitting a job can elevate you to new heights in your career. To keep from paying the price, however, you need to make sure you bring your health insurance with you. |
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 October 16, 2006 Tim Beyers |
Foolish Advice on Disability Insurance The odds that you'll be out of work for an extended period are greater than you think. |
The Motley Fool December 12, 2006 John Dutemple |
What About My Health Insurance??! COBRAs? HIPAAs? It's a jungle out there. A job change is stressful enough without the worry of losing your health insurance. Here is a guide through the jungle of rules and options. |
Financial Advisor March 2006 Karen DeMasters |
Clients Lost In Medicare Lurch Although some of the more than 40 million eligible Medicare recipients in the nation already have signed up for the new prescription drug benefits program Part D, many people still are seeking the advice of financial planners and weighing the options that are available to them. |
Investment Advisor May 2010 Marlene Y. Satter |
Easy Rider Redux Advisors might find a tough subject easier to broach with clients. |
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. |