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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.
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 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.
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.
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.
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?
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.
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 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.
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.
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 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.
The Motley Fool February 21, 2007 Mary Dalrymple	Life Settlements Laid Out Understand this new marketplace before considering selling your life insurance.
The Motley Fool November 4, 2011 Robert Brokamp	Give Your Life Insurance a Checkup Are you getting the right amount of life insurance?
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?
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.
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. 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.
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.
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.
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. December 1, 2006 Janet Arrowood	Life Settlements: Bad Rap, Good Business Regulatory attention to life settlements has intensified as they have taken off in the past few years, and more lawsuits are expected. Despite the bad rap, there are some legitimate and valuable uses of life settlements for advisors and their clients.
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.
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.
Financial Advisor January 2009 Mary Rowland	Getting The Most From No-Lapse Coverage No-lapse universal life keeps growing, but few understand these policies.
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 December 28, 2007 Dan Caplinger	The Case for Insurance-Based Investments Insurance-based investments have a lot of untapped potential. Tax laws favor them, and if you need life insurance anyway, attaching investments to a policy can have some real benefits. Read on for more information.
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.
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 September 2010 Tere D'Amato	Expert's Corner: Leveraged Philanthropy: Caution Sign Ahead If leveraged charitable insurance planning sounds too good to be true, it just might be.
BusinessWeek May 10, 2004 Carol Marie Cropper	Premiums You Can Retrieve An old insurance product is back that refunds every penny paid in premiums if you outlive the 15-, 20-, or 30-year term of the policy.
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.
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.
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.
Investment Advisor February 1, 2011 Marlene Y. Satter	Beating the Odds The life settlement industry can bring both danger and opportunity.
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 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.
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?
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.
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.
Registered Rep. November 30, 2015 Kevin McKinley	Five Estate Planning Moves Advisors Should Consider You may not be a lawyer, but there are still several strategies you can employ to save money for your clients and their families, while avoiding potential headaches and heartache down the road.
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
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 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.
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 April 23, 2009	Why You Need a Renewable Term Life Policy How to attain ongoing life insurance coverage regardless of your health.
Financial Advisor April 2008 Tracey Longo	Retired Millionaire, Revisited Take a look at how one retiree with a $1 million-plus retirement portfolio lives the good retirement life, thanks to the help of his advisors.
Financial Planning October 2, 2007	New Products Alternatives: PowerShares Capital Management has launched two municipal bod ETFs... Insurance: Mass Mutual Life Insurance Co. has introduced Whole Life Legacy 100... etc.