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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.   |
Investment Advisor
February 2010
Marlene Y. Satter |
Insurance Update: Along for the Rider If your clients are looking for limited disability coverage without taking on a whole new policy, they could look at 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
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. |
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. |
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. |
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. |
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. |
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 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? |
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. |
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.
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. |
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.
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. |
On Wall Street
November 1, 2010
Lauren Barack |
Difficult Conversations In Trying Times Michael Olman has watched clients affected by chronic illness. The senior vice president and wealth management specialist at Raymond James & Associates knows these sensitive times require both a deft touch, and a firm handle on financial matters. |
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. |
Financial Planning
January 5, 2008
Stacy Schultz |
5 Questions What role should insurance play as baby boomers retire?... What financial products are most valuable for baby boomers?... etc. |
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
May 18, 2011
Dan Caplinger |
This Investment Will Absolutely Kill You Big banks have their latest new product, and you're going to love it. As morbid as it sounds, there are some insurance companies that have set a precedent for investing in death |
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. |
Financial Planning
June 1, 2008
Martin M Shenkman |
Protect the Weak Chronic illness affects every aspect of wealth management. Because these matters are so important, you'll have to work through any discomfort about addressing these issues. |
The Motley Fool
February 21, 2007
Mary Dalrymple |
Life Settlements Laid Out Understand this new marketplace before considering selling your life insurance. |
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
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. |
Financial Advisor
June 2005
Raymond Fazzi |
VUL Sales Rebound After Prolonged Slowdown Companies hope that new features of variable universal life insurance will overcome buyers' concerns. |
Financial Advisor
December 2008
Mary Rowland |
Lasting Legacy? A new loan program could drastically change the life settlement market. |
Investment Advisor
May 1, 2011
Marlene Y. Satter |
Changing Strategy The latest of The Hartford's innovations are only harbingers of things to come |
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 Advisor
September 2012
Alan Lavine |
The Price Of Old Age Longevity insurance may appeal to some clients who want guaranteed income late in life. |
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 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 Planning
September 1, 2006
Roy C. Goldberg |
A New Take on Long-Term Care Advisors too often try to sell LTC insurance by scaring their clients to get their attention. Instead, we could better present the insurance as a risk management tool, a part of their overall financial plan to secure their retirement income and protect their estate planning distribution plans. |
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. |
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
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
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. |
Financial Planning
September 1, 2007
Bob Veres |
New Life for Life Insurance For the first time, fee advisors have access to products designed specifically for them, complete with transparency and minimal costs. Their response could change the industry. |
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 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. |
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.
February 15, 2011
Alan Lavine |
Getting Life Insurance For Clients With Medical Conditions It's getting easier for clients with pre-existing medical conditions to get life insurance coverage today. |
The Motley Fool
December 8, 2010
Selena Maranjian |
You May Really Need This Expensive Insurance Don't let the need for long-term care for yourself or a loved one derail your retirement. |
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. |
The Motley Fool
February 5, 2007
Dan Caplinger |
Insuring Your Small Business: Part 2 What if you need more than just liability insurance? With all of the different types of insurance available to small businesses, you may find it difficult to decide which policies you really need. |
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. |
Financial Advisor
June 2004
Raymond Fazzi |
When VUL Lapses One of the problems the bear market left in its wake is a rash of variable universal life policies that are underfunded. |
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. |
The Motley Fool
February 4, 2011
Selena Maranjian |
Grab a Piece of This $11 Million Despite its industry's current turbulence, there's a good chance you'll need long-term care insurance. |
BusinessWeek
April 23, 2007
Anne Tergesen |
The High Price Of Free Insurance Deals that fund, then buy out, big life policies may shortchange seniors. |
