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Why Consumers Need a Second Opinion 

Thursday, May 22, 2014
Consumer advocates require full product disclosure. Retirement plans and investments must disclose expenses. Investors and savers alike desire to know the costs involved when purchasing financial and insurance products. Educating consumers is... read more >>
 

How Veralytic can be part of your Due Diligence process 

Thursday, May 15, 2014
Veralytic is a leading product due diligence software that measures actual policy pricing and performance against both industry averages and peer-group alternatives, adding a significant component to the policy review process that goes well beyond... read more >>
 

How the Best Practice Standards for Life Insurance are a Competitive Advantage 

Monday, May 12, 2014
The conscientious adviser applies best practice standards as good steward of their client’s financial concerns. These standards integrate well-established Prudent Investor principles into an adviser check list that objectively establishes policy... read more >>
 

Why Policy Expenses should be Separated from Policy Performance? 

Monday, May 05, 2014
Prudent Investor principles separate product expense loads from performance assumptions. Product expense loads should be a reference point to measure between policies and the industry norms. Projected performance is an undetermined future event that ... read more >>
 

Understanding Mortality Mechanics to Improve your Practice 

Thursday, May 01, 2014
Selling your firm’s due diligence capabilities can be a market strategy. The analytic procedures for measuring product suitability of a policy in accordance with Prudent Investor principles is sorely lacking in the market place. That in itself could ... read more >>
 

Why Product Due Diligence matters 

Monday, April 28, 2014
Carrier ratings are important but not readily available. Measuring the pricing, performance and suitability of a specific product is the next important due diligence protocol, and a critical component of best practices that can be a distinctive... read more >>
 

Make the Complex Simple 

Friday, April 11, 2014
The 2013 LIMRA Barometer study found that many consumers are still not knowledgeable enough to make decisions about what they perceive to be an expensive, complex product. LIMRA found that, in fact, consumers really don’t know much about life... read more >>
 

March 2014 Rating Downgrades/Watch-List 

Thursday, April 03, 2014
“Fitch Ratings’ outlook for U.S. life insurance reflects the industry’s very strong balance sheet fundamentals, solid liquidity profile and improved operating performance,” the report states. “Fitch believes that the industry is well positioned to... read more >>
 

FINRA makes Suitability a Priority in 2014 

Wednesday, March 12, 2014
In January, FINRA placed “suitability” on its annual list of its regulatory and examination priorities for 2014. A FINRA letter to broker/dealer members noted that its concerns in this area include “the suitability of recommendations to retail... read more >>
 

February 2014 Rating Downgrades/Watch-List 

Friday, March 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 >>
 
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