• rsz_1114versatilitywork_small
    December 18, 2015

    Selling The New Versatility Of Life Insurance

    Advisors are constantly looking for ways to help their clients, but sometimes the nature of insurance works against them. For many clients, insurance is a financial product which they largely forget about. Whether it’s for a car, home, health or a life, clients prefer to have that insurance policy sit in the background of their lives.

    Read More
      • Life Settlement Transactions
      • life settlement transaction
      • Life Settlements
      • Life Insurance
      • life insurance policies
      • financial stress
      • disclosure of life insurance benefits
      • disclosure
      • awareness
      • alternatives to lapsing or surrendering a life insurance policy
      • alternative to keeping an insurance policy
      • alternatives
  • rsz_1investor_interestsmall
    December 11, 2015

    What Way of Ending Your Life Insurance Is the Best

    Life insurance is never bought for your own benefit. You want to help the people around you with some financial support when you leave the world. All the money that is to be received after your death when you are insured is given to your nearest family members. Of course, it already needs a big heart from a person to think about others and take the pain to help them live a better life when he/she has already passed away. However, there are times when the insured person is not in the position of carrying on with his/her life insurance policy.

    Read More
      • Life Settlements
      • Life Settlement Transactions
      • Life Settlement Industry
      • Life Settlement
      • life insurance policies
      • Life Insurance
      • Lapsed Life Insurance
      • Lapse Rates
      • Lapes Life Insurance
      • Financial Planning
      • average value of a policy
      • alternatives to lapsing or surrendering a life insurance policy
      • alternatives
      • alternative to keeping an insurance policy
  • rsz_1ar-151209938
    December 11, 2015

    Universal Life Cost Increases Could Be 'Tip of the Iceberg'

    Some insurers are raising costs on in-force universal life insurance contracts, due largely to persistently low interest rates, which has some industry watchers concerned more firms will follow suit as rates remain depressed.

    Read More
  • rsz_1bn-ln996_lifein_m_20151203135146
    December 09, 2015

    Surprise: Your Life-Insurance Rates Are Going Up [WSJ - Subscription Required]

    Major insurers are breaking a long-standing industry taboo of raising rates on life-insurance policies they sold to consumers years ago, in the latest fallout from a prolonged stretch of low interest rates. ... Her family faces a 15% increase next year, amounting to tens of thousands of dollars, for an 80-year-old family member’s multimillion-dollar coverage, with additional increases over the next few years. Among her options: selling the policy to investors in the industry’s secondary market.

    Read More
      • Life Settlement
      • Life Settlements
      • Lapes Life Insurance
      • life insurance policies
      • Lapsed Life Insurance
      • disclosure of life insurance benefits
      • disclosure
      • COI
      • cost of insurance
      • alternatives
      • alternative to keeping an insurance policy
  • rsz_1senior-care
    December 07, 2015

    Aging Matters - Sources for Families to Pay for Senior Care

    Studies show that 70% of people over 65 will need some form of senior care and it's one of the most complex challenges an individual and family will confront. As many professionals know, consumers do not plan for long-term care nor do they save for it.

    Read More
  • rsz_1naps_pic_small
    December 03, 2015

    What To Do When Life Insurance Premiums Rise

    If you are one of the American seniors facing an increase in your life insurance premiums, you may have more options than you realize.

    Read More
      • Life Settlements
      • Life Settlement
      • Life Insurance Settlement Association
      • Life Insurance
      • Lapsed Life Insurance
      • Hidden Asset
      • financial stress
      • alternative to keeping an insurance policy
      • alternatives
      • COI
      • cost of insurance
  • rsz_11p1_preview
    November 30, 2015

    Overlooked Life Insurance Policies May Still Be a Significant Asset for Giving

    Sometimes whole or universal life insurance policies that people bought years ago no longer serve their original purpose and become forgotten. For instance, such policies may have once been intended for heirs to pay off estate taxes, but now with estate tax exemptions set at more than $5 million per person, that isn’t needed.

    Read More
  • rsz_1percentup_360_307
    November 17, 2015

    More Life Carriers Raise Rates On Older Blocks Of Business

    In my Nov. 6 article, I addressed the issue of life insurance carriers raising cost of insurance (COI) rates to egregious levels. Since I wrote that article, the number of carriers raising rates on older blocks of business has increased to six, with Genworth and Prudential PLC (Jackson National’s parent) joining the list.

    Read More