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AG38 Adopted & Product Changes: Have you Checked your Policy Lately? 

Thursday, November 15, 2012
Actuarial Guideline 38 (AG38) is an actuarial regulation that sets reserve requirements for all universal life products that utilize secondary guarantees, typically referred to as no-lapse guarantee (NLG) products. This regulation recently underwent ... read more >>
 

October 2012 Rating Downgrades/Watch-List 

Friday, November 02, 2012
Financial strength and claims-paying ability ratings of the insurer is one of the five factors of suitability.  The obvious reason being that insurance is most simply defined as an agreement for the payment of a premium today in exchange for payment ... read more >>
 

False Evidence that Appears Real 

Friday, October 26, 2012
A known acronym in the English language is that FEAR is False Evidence that Appears Real. Clients fear getting a bad deal.  Agents fear having nothing to sell.  CPAs, tax attorneys and trust officers fear being held to a new higher standard for... read more >>
 

Use Compliance as a Competitive Advantage 

Wednesday, October 17, 2012
Veralytic spoke recently at the Financial Planning Association Annual Conference in San Antonio, announcing that Veralytic is now available on the Practitioners Resource Guide.  An interesting statement overheard at the conference was “Being a true... read more >>
 

Case Study: Suitability 

Wednesday, October 10, 2012
The financial planner plays an important role in making sure that a client’s portfolio is meeting the client’s objectives and is suitable for the client. Suitability should be having both an appropriate product against peer groups and an appropriate ... read more >>
 

September 2012 Rating Downgrades/Watch-List 

Tuesday, October 02, 2012
Financial strength and claims-paying ability ratings of the insurer is one of the five factors of suitability.  The obvious reason being that insurance is most simply defined as an agreement for the payment of a premium today in exchange for payment ... read more >>
 

A New Survey Finds that Financial Advisors may not be as Fiduciary as They Think 

Friday, September 14, 2012
A new survey of 500 registered investment advisors, investment advisory representatives and registered representatives aren’t as fiduciary as they think they are. This study from Financial Advisor magazine, 3ethos and Boston Research Group surveyed... read more >>
 

August 2012 Rating Downgrades/Watch-List 

Thursday, September 06, 2012
Fitch Ratings anticipates “modest improvement in industry profitability for the full year 2012. Results to date have been broadly in line with rating expectations, although Fitch's outlook recognizes uncertainties associated with the challenging... read more >>
 

Low Interest Rates add Pressure to Life Insurance CFOs 

Thursday, August 30, 2012
According to Towers Watson's 30th survey of life insurance CFOs in spring of 2012, “Life insurers have been under significant financial pressure as the result of the continuing low interest rate environment, particularly those with significant... read more >>
 

Lessons for Back to School 

Thursday, August 16, 2012
School is starting again, have you learned your lessons yet?  Let’s first reflect back to last year when we launched our new name Veralytic along with 3 questions to ask about EVERY policy review and discovered the difference between Butchers and... read more >>
 
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