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Life Insurance Product Price Increases/Changes Q3 2013 

Thursday, October 24, 2013
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% and year to date in 2013 ... read more >>
 

Americans Don’t Know Who to Trust on Financial Advice 

Friday, October 11, 2013
New survey released earlier this month confirms that nothing has changed in 2 years. A survey in 2011 and this survey both have same results - 48% say that they don’t know who to trust for financial advice1. The new survey also says that 46% say... read more >>
 

September 2013 Rating Downgrades/Watch-List 

Friday, October 04, 2013
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 >>
 

Fall 2013 Leadership Bootcamp for Life Insurance Stewards 

Thursday, September 26, 2013
Advisors/Trustees/Fiduciaries/Agents & Brokers have all struggled with the management life insurance. This is not surprising given the lack of standards for the prudent selection and proper management of life insurance as an asset. In response,... read more >>
 

Screening Life Policies in a Vast Universe 

Thursday, September 19, 2013
In a recent article Laura Lutton, director of fund research at Morningstar Inc was interviewed by InvestmentNews and there are direct comparisons between what she says about using Morningstar for funds and how this also applies to Veralytic for life ... read more >>
 

August 2013 Rating Downgrades/Watch-list 

Thursday, September 05, 2013
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 >>
 

Take a Break from Laboring over Life Insurance Illustrations 

Friday, August 30, 2013
Labor Day is a day of rest to commemorate the many days of hard labor, particularly in the early decades of the Industrial Age before Fair Labor Laws and when hard-labor was really hard-labor.  As such, we can think of no better time with Labor Day... read more >>
 

Back to School - Lessons for the Year 

Thursday, August 15, 2013
School is starting again, have you learned your lessons yet?  Let us reflect back to what happened over the last school year. There was a curriculum change with Acturial Guideline 38, UPIA & TOLI got served up as food for thought by FSP, we took ... read more >>
 

July 2013 Rating Downgrades/Watch-List 

Thursday, August 01, 2013
Fitch Ratings says in a special report that “if interest rates stay low much beyond 2014, Fitch expects an increase in negative rating actions across the US life insurance sector based on weakened earnings profile and anticipated negative capital... read more >>
 

Conseco To Pay $27M for Hiking Life Insurance Fees 

Thursday, July 25, 2013
Policy holders accuse insurer in multi-district litigation of increasing its fees in violation of their life insurance policy agreements. The largest cost in any insurance product is the cost of paying claims. Payments of claims are referred to as... read more >>
 
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