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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 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?
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.
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.
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.
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.
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.
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.
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 December 2008 Mary Rowland	Lasting Legacy? A new loan program could drastically change the life settlement market.
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 February 21, 2007 Mary Dalrymple	Life Settlements Laid Out Understand this new marketplace before considering selling your life insurance.
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.
Inc. December 1, 2009	Inventing a New Kind of Life Insurance SalaryShield's pitch is simple: Your paycheck comes home even after you don't.
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?
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.
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 January 2009 Mary Rowland	Getting The Most From No-Lapse Coverage No-lapse universal life keeps growing, but few understand these policies.
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.
BusinessWeek April 23, 2007 Anne Tergesen	The High Price Of Free Insurance Deals that fund, then buy out, big life policies may shortchange seniors.
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.
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.
AskMen.com Michael Estrin	Q&A: Credit Checks, Retirement Plans & More Answers to questions everybody asks: How do I check my credit?... How can I save money if I don't make a lot?... Is it too early to think about retirement? etc.
Financial Planning February 1, 2005 Grace W. Weinstein	Into the Maw Life insurance payouts usually aren't subject to taxes-unless your client makes one of these mistakes.
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.
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.
Investment Advisor May 2008 Marlene Y. Satter	Recovery Room If your clients have to surrender a settlement to reimburse their insurer or employer, will their assets support their needs?
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.
Investment Advisor February 1, 2011 Marlene Y. Satter	Beating the Odds The life settlement industry can bring both danger and opportunity.
Financial Advisor March 2007 Robinson & Wilkins	A Question Of Interest A recent court decision highlights a potential problem with irrevocable life insurance trusts. Here are some implications for financial planners to ponder.
Registered Rep. April 1, 2005 Kevin McKinley	In Praise of the Lump When a retiring client's employer presents him with a choice between a monthly pension check and a lump-sum payment, the choice is usually a simple one. Accepting the lump is usually the most lucrative choice for the client and the advisor.
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.
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.
Registered Rep. March 18, 2014 Alan Lavine	Donating Life Insurance It's possible for philanthropic-minded clients to donate their life insurance to charity and get an attractive tax deduction.
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.
Investment Advisor January 2010 Marlene Y. Satter	Too Good to Be True Advisors should be wary if clients say they have been approached to purchase life insurance for eventual resale to investors.
Inc. September 2004 Dimitra Kessenides	Risky Business In the last five years, one in four private companies has been sued by a current or former employee, according to a recent survey. The right insurance policy can be the best defense against costly lawsuits.
AskMen.com Nick Kennedy	Unnecessary Life Insurance Policies How much of a death benefit do you need? The answer just might be none.
Registered Rep. December 19, 2011 Alan Lavine	Reps Face Insurance Challenges in 2012 Financial advisors are increasingly concerned about the financial strength of the insurance companies whose products they sell.
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. 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.
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.
Registered Rep. May 1, 2006 Janet Arrowood	Addition by Division Advisors need to be at the top of their game when working on insurance coverage in divorce proceedings, because people often behave badly when the talk turns to money.
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.
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.
Financial Advisor October 2006 Richard L. Harris	Life Insurance At A Discount Certain techniques offer many benefits for very wealthy clients.
Financial Advisor May 2006 Bruce W. Fraser	An Undiscovered Asset Class Most advisors know little about the structured settlements market, yet the dollar amounts in settlements can range into the millions of dollars, thus making them a potentially profitable niche market for wealth managers and other fee-only advisors.
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.
Financial Planning April 1, 2005 Steven K. McGinnis	Tin Shields As investor lawsuits mount, errors and omissions insurance has become harder to get--and easier to lose.
Financial Planning July 1, 2011 Jay J. Freireich	Earning Trust Financial planners can protect clients asked to manage a trust by advising them to review the responsibilities with their own lawyers to ensure that they understand the risks.