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  April 26, 2017

  Helping Your Clients Afford a More Expensive Retirement

  An article by LISA's President and CEO, Darwin Bayston discusses how you can help your clients afford a more expensive retirement.

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  November 10, 2016

  Shattering a myth about life settlements: 5 advisor benefits

  In addition to the benefits to clients, financial advisors themselves can benefit from working with their clients to pursue a life settlement.

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  November 07, 2016

  Schedule a Post-Retirement Financial Checkup

  Most of us are familiar with the retirement planning shortfall in America, but at the same time there are millions of Americans who do a great job preparing for their golden years. They work hard, save with discipline and do their best to stick to a plan that will allow them to achieve their financial goals. If you are one of these retirees, congratulations! But don’t let the financial planning stop now. In fact, after you’ve entered retirement, it’s more important than ever to give your finances an annual checkup.

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  April 15, 2016

  Tax uncertainties for life settlements: 5+ troublesome issues

  It’s tax time again, which means yet another year has passed without clarity for life settlement transactions.

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  March 18, 2016

  Negative Interest Rates and European Insurance Companies

  The Wall Street Journal recently published an article, “Negative Interest Rates and Insurers: Be Afraid,” discussing rates in Europe that have gone negative in some countries and how this hurts European insurers. The article does not discuss, but I would argue, that those who hold policies from these insurers should consider the life settlement market as an avenue to sell unwanted and unneeded policies.

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  February 19, 2016

  Don’t Irrationally Lapse Your Policy

  As a result of the lack of awareness of that secondary market – that is, the ability to sell a life insurance policy -- far too much life insurance is “irrationally lapsed” each year.

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  January 13, 2016

  Complex life insurance policy illustrations underscore the need for trusted advisors to counsel seniors

  Do we truly believe that the policy illustrations provided by life insurance carriers are written and delivered in a way that is friendly or accessible to a consumer who has little or no knowledge of how life insurance products are priced and structured?

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  November 19, 2015

  Insurers Misprice Products and American Consumers Pay the Price

  Over the last five months, several insurance companies, including Voya and AXA, have announced increases to cost of insurance rates ("COI") for certain outstanding universal life insurance policies. These increases, some which are in excess of 80%, allegedly were made to address the anticipated future costs for providing the coverage.

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  October 13, 2015

  Opportunities for Seniors to Sell an Unwanted Life Policy Increase in Changing Financial Environment

  Opportunities have never been better for seniors who can no longer afford their life insurance premiums to sell them through what is known as a life settlement

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  October 07, 2015

  Eye on 7 of the most common life settlement situations

  A life settlement can be a great alternative to accepting the insurance company’s surrender value, if any, for a policy that is about to be lapsed or surrendered. While there are many reasons a policy may be terminated, certain scenarios are the most common. Keeping an eye out for these situations is one more way for you to help your clients.

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