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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 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.
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 November 4, 2011 Robert Brokamp	Give Your Life Insurance a Checkup Are you getting the right amount of life insurance?
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.
The Motley Fool February 6, 2007 Dan Caplinger	Dealing With a Disability You hope it won't happen to you, but if it does, be prepared. Private insurance isn't the only way in which disabled people can obtain the means to support themselves.
The Motley Fool March 28, 2005	What Happens If You Can't Work? Know what to look for in disability 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.
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.
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 November 10, 2007 Elizabeth Brokamp	Protect Your Family When Disability Strikes The majority of Americans fail to secure disability insurance for themselves, something they are statistically likely to need. If you don't already have this coverage, read these guidelines and start looking.
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.
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.
The Motley Fool November 1, 2004 Dayana Yochim	How to Shop on the Clock Doctors' bills? Disability insurance? Company stock? Put it on the boss's tab.
Financial Planning July 1, 2013 Ilana Polyak	Disability Insurance: Are You Protected? Advisors need to think about disability insurance coverage for both themselves and their clients.
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. 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.
The Motley Fool August 3, 2004	Ruptured Appendix? Torn ACL? How good is your disability insurance 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.
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.
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 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 December 1, 2009 Donald Jay Korn	Prudent Policy Agents should help their clients reevaluate their insurance policies at the end of every year.
AskMen.com May 14, 2001 Luis Rodrigues	Do You Need Life Insurance? Some people believe that having life insurance -- planning for their death -- will bring misfortune to their lives, and would rather not have any at all. Unfortunately, too many people don't realize the importance of life insurance until it's too late...
The Motley Fool December 20, 2005 Dayana Yochim	Shop on the Clock Why pay for things like doctors' bills, disability insurance, and baby-sitting if your boss is willing to pick up the tab? How to milk your employer for every last penny that is rightfully yours.
Commercial Investment Real Estate Jul/Aug 2015 Mary Stark-Hood	Property Casualty Insurance As a business owner, you know the importance of protecting your real estate business from financial loss. Some risks may be acceptable, but many are not.
Inc. September 2008	Insuring Your Business A closer look at the insurance coverage businesses should have includes consideration of growing companies and special circumstances.
The Motley Fool May 23, 2006	Is Disability Insurance for You? Disability insurance is expensive for a reason -- there's a good chance you'll need it.
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.
The Motley Fool July 8, 2004	Don't Forget Disability Insurance Disability insurance is expensive because there's a good chance you'll need it one day.
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.
The Motley Fool September 7, 2004 Selena Maranjian	Insurance You Don't Need Why pay more than you need to for insurance?
The Motley Fool September 15, 2004	"Disabled" May Not Mean What You Think In the disability insurance field, the term can cover anything from broken legs to brain injuries.
Registered Rep. August 1, 2005 Janet Arrowood	When a Partner Leaves What many partners should do -- and what any rep with an insurance license can help with -- is to fund a buy/sell agreement with life insurance. Before you can come up with the appropriate insurance solution, it is important to understand the thinking that went into the structuring of the buy/sell agreement.
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. 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.
Entrepreneur December 2009	Candid Talk About Performance Evaluations It's evaluation season - does any topic spark more debate between employees and managers?
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.
The Motley Fool February 11, 2009 Dayana Yochim	Don't Let a Disability Turn Into a Financial Disaster A short-term disability that turns into a long-term one can seriously sideline your finances. Supplemental coverage can save your savings from a big hit.
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 March 1, 2013 Martin Shenkman	Wealthy Need New Trust Strategy With federal estate taxes no longer a threat, the standard planning approach for wealthy couples needs to change.
Registered Rep. February 1, 2006 Janet Arrowood	The Four Win Strategy A growing number of Americans are saving more money than they're likely to spend in their lifetimes. For advisors, it's a good time to talk to such clients about endowing a college scholarship, getting their name on a hospital wing, or leaving any other kind of legacy behind.
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.
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.
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.
Fast Company October 19, 2011 Rachel Z. Arndt	10th Anniversary: George Harrison's Death Here's a look at four musical greats who prove that, even in death, the beat goes on.
On Wall Street November 1, 2012 Elizabeth Wine	10 Biggest Estate Planning Mistakes 10 tips to prevent the missteps that cannot always be repaired after the client s death.
AskMen.com Dave Golokhov	Sleeping Pills Sleeping pills are often the last resort for those suffering from insomnia, but a startling new study suggests that they're not quite the best solution, since they can put you out for good.
Financial Advisor January 2012 Gail Liberman	State Of Affairs Most clients are unaware that state death taxes can take a substantial cut of an inheritance.
Registered Rep. December 24, 2012 Jim Moniz	Lessons of the Rich and Famous . . . in Death Many smart and successful people throughout history have made the mistake of not having a good estate plan.