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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.   |
Entrepreneur
December 2004
Jacquelyn Lynn |
Live Long and Prosper One of the hottest life insurance products on the market right now is Return of Premium. If you insure your key employees or buy-sell agreements, you might want to consider this option. |
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. |
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. |
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
January 2009
Mary Rowland |
Getting The Most From No-Lapse Coverage No-lapse universal life keeps growing, but few understand these policies. |
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. |
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
April 20, 2004
Robert Brokamp |
Raise Your Deductible? You can lower your insurance premiums by increasing your deductible -- but is it worth it? |
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? |
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. |
Inc.
October 2007
Elaine Appleton Grant |
Passing It On Using life insurance as an estate planning tool. |
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
April 23, 2009 |
Why You Need a Renewable Term Life Policy How to attain ongoing life insurance coverage regardless of your health. |
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. |
The Motley Fool
April 22, 2009 |
Term Life vs. Cash Value Insurance Policies Make sure you're getting the right insurance protection for your family. |
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. |
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. |
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.
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. |
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. |
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
October 26, 2007
Buz Livingston |
Buy Term, Young Man Don't fall for insurance hype. By taking up so much of a young family's budget, whole life doesn't give most families the balanced financial plan they need. |
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
September 3, 2010
Dan Caplinger |
Don't Make This Life-Changing Mistake Too many people have given up life insurance coverage. |
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. |
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. |
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. |
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. |
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
December 4, 2006
Emil Lee |
Insurance Industry Basics: Premiums What are they, and how do they work? Like great value investors, great insurance companies do business only when risk-adjusted returns are favorable. |
Investment Advisor
August 2009
Marlene Y. Satter |
Side Effects Advisors might want to take a look at clients' term life insurance coverage. |
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
January 26, 2007
Dan Caplinger |
Fall Into the Medigap: Part 3 Medicare supplemental insurance may give you the additional protection you need. By understanding and evaluating your Medigap options, you can manage the financial risk of medical expenses, giving you the confidence that your health needs will be met. |
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. |
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. |
The Motley Fool
August 9, 2004 |
Life Insurance: Term vs. Whole For most of us, term life insurance is enough -- here's why. |
BusinessWeek
July 30, 2009
Aaron Pressman |
Why Being Laid Off Is Tougher These Days Unemployment is lasting longer -- and jobless benefits are shrinking |
Investment Advisor
November 2009
Marlene Y. Satter |
Insurance Update: Bonds. Death Bonds. Securitizing life insurance is Wall Street's latest idea. But is it really so new? |
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. |
Inc.
March 2006
Darren Dahl |
Risking Your Life (Insurance) Your dangerous diversions and trail-blazing travels could hurt your life insurance policy -- even if it doesn't hurt you. |
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. |
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
April 4, 2007
Selena Maranjian |
Making Long-Term Care More Affordable Here are some tips to lower long-term care insurance premiums. |
Managed Care
November 2002
John A. Marcille |
Will Oregon Be Last Word on Universal Health Care? A "universal health care" proposition failed to win voter support in Oregon. Does this mean the idea is dead in the water? |
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. |
Managed Care
March 2001 |
To Control Costs, CalPERS Rejects All Bids for 2002 In a dramatic attempt to keep a lid on health care premiums, the California Public Employees' Retirement System threw out every bid it received from health plans competing for a chunk of its business in 2002.... |
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. |
The Motley Fool
July 28, 2011
Neha Chamaria |
Why Progressive Doesn't Look Very Impressive Progressive's second-quarter numbers misses estimates. |
Entrepreneur
November 2004
Jacquelyn Lynn |
Buy Now, Pay More Later Paying insurance premiums over time can cost your small business. |
