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August 2014 Rating Downgrades/Watch-List 

Friday, September 05, 2014
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 >>
 

Life Insurance Product Price Increases/Changes 2Q2014 

Wednesday, August 27, 2014
The cost of doing business in the Guaranteed Universal Life (GUL) markets has risen as the interest rates have fallen.  In 2009 the GUL market had increases up to 40%, 2010 increases up to 20%, 2011 up to 40%, 2012 up to 18%, 2013 up to over 100%... read more >>
 

The El Camino of Life Insurance 

Thursday, August 21, 2014
Never have we heard a better description of Indexed Universal Life (IUL) then in the comment section of an article describing IUL looking like the El Camino (part sedan, part truck but it does neither particularly well) of life insurance. IUL has... read more >>
 

July 2014 Rating Downgrades/Watch-List 

Thursday, August 07, 2014
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 >>
 

Client fees likely more than advisers think 

Thursday, July 31, 2014
In a recent article Ron Carson, chief executive of Carson Wealth Management and founder of Peak Advisor Alliance said, “Advisers have to list their fees, but they have to do an even better job than that, we need to sit down with clients and compare... read more >>
 

June 2014 Rating Downgrades/Watch-List 

Thursday, July 10, 2014
US life insurers continue to face low bond yields and are likely to see earnings growth pressured over the next two years as a result, according to Fitch Ratings. A sustained low-yield environment extending from today's levels to beyond year-end... read more >>
 

Declare your Independence 

Wednesday, July 02, 2014
Independent Research…Independent Review… Declare yourself as an independent! Research[1] shows that 3 out of 4 clients regard “independence” as important or somewhat important. It’s difficult for many clients to know who to trust, so it is more... read more >>
 

Life Insurance Product Price Increases/Changes 1Q2014 

Friday, June 13, 2014
The cost of doing business in the Guaranteed Universal Life (GUL) markets has risen as the interest rates have fallen.  In 2009 the GUL market had increases up to 40%, 2010 increases up to 20%, 2011 up to 40%, 2012 up to 18%, 2013 up to over 100%... read more >>
 

May 2014 Rating Downgrades/Watch-List 

Thursday, June 05, 2014
It is the time of year that insurance companies complete their end of year financials so look to the rating companies to adjust their ratings accordingly. This rating alert also comes at the same time that the Senate has passed legislation (S.2270)... read more >>
 

Are you compliant with the Regulators? 

Friday, May 30, 2014
Many practitioners are still comparing illustrations of hypothetical policy values for some limited number of products as the means of determining product suitability. This practice has been deemed "misleading" by securities regulators. Securities... read more >>
 
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