FDIC Moves to Sooth Coverage Hike Angst
After many in the banking industry became concerned that doubling Federal Deposit Insurance Corp. (FDIC) deposit coverage would mean premiums would have to be assessed, the FDIC released figures from ...

Aetna Adds Healthwise Information to Web Site
Aetna has agreed to place data from nonprofit health information center Healthwise on its consumer Web site. According to Aetna, Healthwise provides detailed and comprehensive information on important health ...

Problem of Lost Health Benefits Reaches Into Middle Class
Despite decreasing joblessness--mostly due to the increase in positions in small businesses and service industries--the number of uninsured Americans increased throughout the 1990s, and the number continues to grow as ...

More Banks Offer Real-Time Account Info
KeyCorp, Central Carolina Bank, and Frost Bank are among the banks that have allowed customers to access real-time account information online. Howard Brooks, senior vice presidentof Internet banking at ...

New Internet Marketing Initiative
A new Internet marketing initiative, IHateFinancialPlanning.com (IHFP), has been launched by ReliastarFinancial. It focuses on consumers who both dislike financial planning and want simplicity in their buying experience. ...

SunGard: Estate Planning Software
Sungard Insurance System now offers a software package that provides both family needs analysis and estate planning. FINPACK 2000 v5.5 includes a new investment analysis and asset allocation utility ...

'Immediate' Annuity May Be Good Fit for Some Retirees
For retirees who want added security that they will notoutlive their savings, "immediate" annuities may be the way to go.Immediate annuities are life insurance products that provide retireeswith guaranteed streams ...

Forget What You've Heard, Term Insurance Is Not a Commodity
Contrary to popular opinion, term insurance is not acommodity, according to Allen Dixon, director of carrier implementationsat insLogic. Dixon says for too long now, term insurance has beeninaccurately portrayed ...

Planning Ahead for Peace of Mind
ACLI senior director Lynn Boyd says that people are purchasing long-term care insurance as part of their investment plans and retirement planning tools as well as purchasing it at younger ...

DOL Opinion Validates Use of Qualified Plan Ins.
Recently, the Department of Labor (DOL) gave an advisory opinion (2000-10A) that has helped to validate the estate planning technique called "Qualified Plan Insurance Partnerships (QPIP)." This technique was ...

Reject Citi-Associates Deal, Group Urges
A number of federal and state banking and insurance regulatory bodies have received petitions from community activists seeking to have the Citigroup acquisition of AssociatesFirst Capital blocked. The petitions ...

Insmark: Financial Software System
Insmark has introduced the Leveraged Estate Plan. Thisis a financial software system that addresses wealth preservationand accumulation. The planning technique used increases the number of transfers allowed to ...

Cross-Sales Key to MONY-Advest Deal; Insurer Sees
As part of an effort to increase its stake of the assetmanagement business, MONY Group has announced plans to acquire Advest Group for approximately $275 million in cash and stock. ...

Insurance for the Long Haul
Alarmed by the decline in the quality of the life of their parents, baby boomers are making long-term care (LTC) insurance part of their pre-retirement plans. However, experts urge ...

Insurance-Engine 3.0 Streamlines Employee Benefits
IE-Engine Inc. has rolled out a new workflow solution designed to shore up purchasing inefficiencies found in the mid-to-large employee benefits marketplace. Insurance-Engine 3.0 is a Web-based Request-For-Proposal (RFP) ...

Coming to Terms With Life Insurance
Life insurance experts offer an easy guide to simplify theprocess for consumers buying life insurance. There are two types oflife insurance: term and whole. Experts recommend that beginners ...

Preparing for the Worst
Insurance companies and brokers say that the events of Sept. 11 have brought a surge in the number of people buying life insurance or increasing their coverage. Some 69 ...

Safeco: New Investment Managers for Variable Insurance
SAFECO Life & Investments has added a new investment portfolio to its line of variable insurance products. Products affected include SAFECO Life & Investment Spinaker series variable annuities, Safeflex ...

Smart Life Insurance Trusts That Offer Flexibility in Uncertain
Several life insurance trusts offer flexibility forindividuals planning the financial future of their loved ones. ASpousal Support ILIT is a popular alternative because it not only allowspeople to plan ...

Do Variable Annuities Fit in Your Portfolio?
As retirement tools go, variable annuities (VA) are practical and afford significant tax benefits, but investors should be prepared to pay extra. VAs are uniquely structured to offer protection ...

LIMRA: 2002 Life Premiums Rise 3 Percent
In 2002, premiums from individual U.S. life insurance sales increased by 3 percent, according to surveys conducted by LIMRA International, which also reports that the year saw a 12 percent ...

Split Dollar--The Most Powerful Tool in the Box
Split dollar life insurance valuation enables two parties (employer/ employee) to share in the policy's ownership, premium payments, and benefits. There are three premium payment structures used with split ...

30-to-45 Bracket Proving Hard to Reach for Banks
Banks must use alternative selling tactics to persuade young professionals to buy insurance products from them, according to Gary Warden, vice president of financial institutions marketing at CGU Life. ...

Want a Piece of Advice?
As more large plan vendors offer 401(k) plans online, participants are being given an increasing number of investment options. With this increased control over their investments comes a need ...

Death of Split-Dollar Life?
Insurance industry officials say that new policies recently adopted by the Bush administration will make some split-dollar insurance plans all but impossible to sell. While the new policies, issued ...

The Lowdown on Premiums
Life insurance premiums have been dropping by 3 percent to 5 percent in recent years, and sometimes more, and healthy policyholders can probably pay less for their coverage even though ...

Internet-Based Cash Management Is a Boon for Small
Financial institutions in the United States are witnessing a fundamental change in the way many of their customers earn their living. Americans these days are less likely to remain ...

Long-Term Care Financing: Options for the Future
The rising cost of long-term care services, coupled with the explosion of the elderly population, will dramatically impact the Baby Boomer generation over the next three decades. This article ...

A Deal Built on Weakness, and Strength
All six of New York's major commercial banks will have ceded their independence after Chase Manhattan's probable takeover of J.P. Morgan is finalized. Though the wave of commercial bank ...

IRS Offers New 401(k) Loan Guidance
The Internal Revenue Service (IRS) has proposed some rules and finalized some others, all intended to help employers administer defined contribution plan loan programs. The rules will apply to ...

BenefitAmerica Brings Out Web Sales System
BenefitAmerica, a unit of UnumProvident Corp., has unveiled a system that would allow insurers to sell and administer voluntary benefits and other employee benefits via the Internet. The Spectrum ...

1st Round to Industry in Non-Cash Comp Tiff
The Securities and Exchange Commission (SEC) declined arequest by the National Association of Securities Dealers (NASD) for accelerated approval of a controversial proposal to apply theNASD's non-cash compensation rules to ...

Ask SmartMoney: You, Your New Business And Uncle Sam
When opening up a business out of the home, there are certain things you should think about. First, a trip to the local library, bookstore, or simply surfing the ...

Morningstar.com: Interactive Classroom
Morningstar.com has launched an Interactive Classroom, a free online service that lets individual investors learn and improve their financial skills. The Interactive Classroom lets visitors access a variety of ...

Insurer Makes Bid for Independent Brokers
GenAmerica Financial is offering independent life insurance brokerage owners an equity share of a new distribution company called Brokerage Partners. The move is an attempt to attract high-end producers ...

Mutual Life Company Asset Growth Outpaces Industry
According to A.M. Best, mutual life insurers' and mutual holding companies' total assets rose 37 percent between the end of 1997 and the end of 2002, compared to a 30 ...

Death and Taxes
The ongoing movement in Congress to eliminate the estate tax could cut into insurance premium sales. The federal estate tax accounts for 7 percent to 12 percent of life ...

Better Not to Jump?
Consumer advocates say that credit insurance is not as useful as it sounds and that it is frequently misunderstood, too expensive, and aggressively sold. Credit insurance can serve those ...

Seniors Want Agents to Mention Life Settlements
A poll commissioned by life settlement firm Coventry First LLC and conducted by National Research LLC finds that although seniors might not opt to sell the rights to their life ...

O Death, Where Is Thy Sting?
With just a small amount of planning, a family businesscan easily be protected from the ravages of estate taxes. According to a recent poll, only 14 percent of small ...

Analyst Bullish on Life Insurers
During 2003, life insurance companies' stock prices willoutperform the market in general, and life insurance companies will betrading about 1.5 times book value and 10.7 times the year's earningsper share, ...

LTC Insurance Extends Retirement Income Protection
Long-term care (LTC) insurance can help employees preservetheir retirement savings. New studies show that healthy retirees havelonger life expectancies. In light of this, workers need to be preparedto ...

Converting a Term Policy for a Life Settlement
The most common method of determining pricing for a policy purchase in life settlement transactions is to weigh the policy's annual premium, project the mortality of the insured, the policy ...

Alliances: Internet Stock News
Internet Stock News, an Internet site that provides tools to help investors determine and manage their investments inInternet firms, has launched an insurance center that is being run in conjunction ...

Better Not to Jump?
Consumer advocates say that credit insurance is not as useful as it sounds and that it is frequently misunderstood, too expensive, and aggressively sold. Credit insurance can serve those ...

Campaigns Tap the Industry for $94M
Political parties' favorite source for campaign contributions are financial services firms--which donate more than any other sector. So far, they have donated $94 million to presidential and congressional candidates ...

Going to Buy Life Insurance?
An ACLI spokesman says that since the Sept. 11 terrorist attacks, life-insurance sales have risen by as much as 40 percent. Still, a large number of Americans who probably ...

Consumerism Can Help Bring Down Health Care Costs
Double-digit health cost increases, spurred by increased drugspending, new medical technologies, and aging patients, are provoking amove toward consumer-directed health plans, in which individual healthreimbursement accounts (HRA) are funded by ...

Seniors Want Agents to Mention Life Settlements
A poll commissioned by life settlement firm Coventry First LLC and conducted by National Research LLC finds that although seniors might not opt to sell the rights to their life ...

Regulators vs. Accountants On Reserving for Losses
A proposal published in the Federal Register by the Federal Reserve Board, Office of the Comptroller of the Currency,Office of Thift Supervision, and Federal Deposit Insurance Corp.,said that banks can ...

IRS Wins COLI Court Case
Employers that used corporate-owned life insurance (COLI) as a tax-break during the late 1980s and early 1990s may have to pay back taxes, according to a U.S. District Court ruling. ...

American United Life: On-Line Benefits Administration
American United Life has introduced eBenefits, an online benefits administration program for employers in the small-group market. The Web site offers the following for disability products and standard group ...

Masters in Financial Planning
Courses at the highest level of financial planning education are now being offered at The College for Financial Planning, Denver. The college has revised its Master of Science degree ...

Insurers Need to Change Way They Sell to Retirees: Study
Based on its recent study, "The Retirement Income Market: Strategic Implications for Insurers," TowerGroup contends that insurers need to change the way they sell and market their products if they ...

Some Companies Know How to Make a Statement--Online
CheckFree, a provider of electronic bill payment solutions, is hoping to further the trend of online bill payment.CheckFree's I-solutions division is offering XML-based billing solutions for the telecommunications, insurance, banking, ...

Insurance Sales Threatened?
Financial planning analysts are concerned that interestin life insurance policies and trust funds will wane if the inheritance tax is repealed. A new report by Merrill Lynch suggests an ...

A Jersey Summit Meeting Between Insurance Agents and
Summit Bank, a $36 billion asset regional bank is perhaps the first regional bank to be successful in the insurancearena, with anticipated revenue from its Summit Insurance Advisors to exceed ...

Insurance: Reform Law Helps, but Not Much
Bank marketing executives attending the fall conferenceof the Financial Institutions Insurance Association (FIIA) agreedthat new financial services modernization measures have had a limited impact on how banks approach insurance sales. ...

With Associates, Citi Extends Retail Power in U.S., Abroad
Citigroup's acquisition of Associates First Capital will give Citi new ways to cross-sell insurance and other products. Associates First has over 2,600 branches and 27 million customers in the ...

Consumers Seen Over-Emphasizing Insurance After Attacks
Following the Sept. 11 attacks, consumers have been flooding insurers with requests for more life insurance. Herb Perone, a spokesman for ACLI, said that inquiries and sales are up ...

Raising America's LTC IQ
Insurers and agents should find out if their older clients are prepared for the possible expense of long-term care, since it appears that most are not--they underestimate risk and cost, ...

Compensation of Wholesalers Surged in 1999
According to a survey by DGL Consultants, compensation paid to wholesalers of financial products in 1999 increased an average of 8.2 percent. This figure is significantly higher thanthe 2.5 ...

Workers' Lives: Best Tax Break?
Corporate-owned life insurance (COLI) is estimated to cost $9.3 billion in lost tax revenue, according to the Bush administration, but many experts agree that the estimate could be too low. ...

Uncertain World a Challenge to Life Firms
The low interest rates and stock market, the current U.S. administration, and the uncertain environment all pose challenges to the life insurance industry, said Northwestern Mutual CEO Edward Zore, speaking ...

Long-Term Care Program Is Unfinished but on Schedule
According to the Office of Personnel Management (OPM), the government's long-term care insurance program will go ahead with its late March early enrollment period, as the agency and insurance provider ...

CPAs Becoming CFAs
CPAs are joining lawyers, insurance agents, and Wall Street analysts in taking the exams necessary to becoming an official Chartered Financial Analyst. CPAs are seeking to increase their investment ...

Term Insurance Turns Long Term
Thirty-year term insurance policies are growing in popularity, according to this article, and last month the long-term policies became available in New York state for the first time. The ...

Repealing Tax Estate Law Would Hurt More People Than
Repealing the estate tax law is guaranteed to have negative repercussions on the financial services industry and thefinancial tools currently being used, according to Stanley B. Corey Jr., writing for ...

Products: LowerMyBills.com
LowerMyBills.com is a nationwide business that enables consumers to research, compare, and lower their recurring bills. It has just upgraded its Web site to include health, life, and renter's insurance. ...

Don't Rush Into Long-Term-Care Coverage
Almost a fifth of U.S. companies with 500 or more employees offer long-term care insurance, and the government has provided employees and businesses with tax incentives to buy coverage, but ...

As 'Super Banks' Grow, So Do Analysts' Fears
Some banking-industry experts are concerned that federal regulation of the industry has not kept up with the sweeping changes in the past twenty years, during which time community banks' share ...

Bill Revives Quest for Above-the-Line LTC Tax Break
A new bill pending in the House would create an "above-the-line" income tax deduction for individual long-term care insurance premiums, starting with a 25 percent deduction and phasing in a ...

Jennifer Borislow's Formula for Sales Success
Million Dollar Roundtable members are those life and financialsalespeople who earn a minimum of $60,000 in first-year commissions. Top of the Table members, a more elite group, have achievement levelsthat ...

Retirement Bill Lobbying Launched
The American Council of Life Insurers (ACLI) has begunlobbying for legislation that would offer more retirement savingsincentives. Richard Turner, chairman of the ACLI's Pension Committeeand associate general counsel for ...

Get Long-Term Care Policy Now--Before You Need It
The Federal Long Term Care Insurance Program takes up where Medicare and the federal health plans leave off, but long-term care insurance must be bought in advance, and many financial ...

Disability-Model LTCs Can Be an Option for Some Clients
The most common long-term care insurance policies provide reimbursement for services used. However, the lesser known "disability model" seems to be gaining popularity. Although the disability model has ...

Life and Health Insurers Mobilize After Terrorist Attacks
While there have been questions surrounding the fact that some life insurance policies deny coverage for deaths resulting from terrorism, the majority of those exclusions only apply to acts of ...

Long-Term Care Crises Are Beginning to Loom
The cost of long-term health care is rising, partly due to increasing malpractice insurance rates, and those high rates--according to a report in the Houston Chronicle--have forced various for-profit and ...

GE Catches Online Fever
General Electric Chairman John F. Welch's rule that GE businesses must remain leaders of their respective industries to stay in operation may be tested by its new GE Financial Network ...

Investors Find Their Nest Eggs Are Variable and Vanishing
The National Association of Insurance Commissioners may soon consider enforcing stricter policies to protect consumers from aggressive agents trying to reap higher commissions through unsuitable sales of annuities. While ...

Liberty Financial Weighs Company Sale
As a way to weather the turbulence of the current stateof the money-management sector, Liberty Financial reports that itis considering putting itself up for sale. The Boston-based company has ...

Banks Still Lead in Trustworthiness
According to an American Banker/Gallup consumer survey,among those who use a bank and an insurance company, 42 percent said they trust the bank more, 33 percent said they trusted them ...

Time to Re-Evaluate Your Life Insurance Coverage?
Linda Lanam, vice president at ACLI, explains that when considering what type of life insurance to buy, one must evaluate one's personal needs, such as who needs to be protected ...

Accountants Seek Slice of Insurance Pie
As an increasing number of states allow CPAs to acceptcommissions and sell life insurance, more and more accountants arelooking toward the insurance industry for compensation. There is alsoevidence that ...

Life Insurance in Retirement Planning: Use and Misuse of Life
Ben G. Baldwin Jr., president and owner of Baldwin FinancialSystems, says that there are correct and incorrect ways to use lifeinsurance in retirement planning. According to Baldwin, insurancesalespeople err ...

Is My Life Insurance Policy an Investment?
This article warns consumers about insurance agents who tell them that life insurance is an investment that can grow tax deferred and be tapped into at any time. Fees ...

Why You Need a Will
Wills are a fundamental and essential part of the estate-planning process that often gets overlooked. Atlanta-based estate planner Olin Wiley says most people avoid the subject because they do ...

Interest in New Products Remains High, but Consumers Still
This year's American Banker/Gallup consumer survey finds that consumer interest in buying nontraditional products and services from their banks is high, although only a small percentage have followed through and ...

Article Abstracts for /news/insure
Banks Selling Insurance: Formulas for Success
Regional banks are turning to insurance for a new source of revenue, but many are focusing their efforts on insurance customers ill-suited to the banks' existing strengths, according to a ...

Banks and Their Competitors Shell Out in Race for Affluent
Financial services competitors are pulling out all of the stops to train their employees to pursue and win the businessof the wealthy. Unlike commercial banks of the past that ...

How Much Insurance Do You Need? Why Conventional Wisdom Is Wrong
A hypothetical husband and wife, both aged 50, could be paying annual premiums of $3,200 and $2,500, respectively, for $300,000 of universal life insurance with an investment account attached, which ...

Reflecting
Many of today's financial services companies are offering "personalized" Web sites, featuring information such as news, weather, stock research, and search engines. The San Francisco-based mortgage site iOwn.com, for ...

Congressional Action Adds Full Estate Tax Repeal to Life's
Insurance experts are doubtful the full phase-out of theestate tax will occur, and they believe the long-term effects on thelife insurance industry will be manageable even if the estate tax ...

Suddenly Wealthy Require Special Skills
As individuals are finding themselves with large sums of money from inheritances and huge stock market gains, financialplanners must serve this fast-growing market with customizable plans that allow for successful ...

More High-Income Americans Go Without Health Insurance
Health insurance costs continue to rise, and as they increase, more and more Americans are foregoing the option. According to the Census Bureau, not only are lower-income households without ...

Assisted-Living Liability Plan Faltering
Liability insurance rates for Florida's assisted-living facilities have been soaring, and many insurers are pulling out of the state. Many owners have had to boost residents' monthly rent, take ...

There Will Still Be Life in Life Insurance
Full repeal of the estate tax will not eliminate the need forlife insurance, according to Dan Rice, chairman and co-founder ofCharitable Trust Administration Co. In a recent speech given ...

Insurance--Your Checkbook Is in the Mail
Increasingly, insurance companies are sending out checkbooks that provide beneficiaries with access to life insurance proceeds through an interest bearing account, rather than sending a check for the full amount ...

Government Must Be Insurer of Last Resort
The insurance industry does not have the needed capital to provide insurance coverage against future acts of terrorism, war, or events similar to that of Sept. 11, writes M.R. Greenberg, ...

Clients for Life: How Great Professionals Develop
The new book, "Clients for Life: How Great Professionals Develop Breakthrough Relationships" by Jagdish Sheth and Andrew Sobel, identifies seven characteristics needed if a professional wants to develop from an ...

Health Insurance Cuts Hurt Retirees
More and more people reaching retirement age are discovering that fewer companies provide assistance with health insurance coverage after workers retire, or that companies are charging retirees more to provide ...

Firms May Benefit From Forensic Accountant
Every firm will need more than one accountant at some point in time--not more than one tax and bookkeeping CPA accountant, but a forensic accountant with a specialty in investigative ...

Outliving Assets Problem Looms
With the anticipated age of death for healthy persons lengthening every year, more Americans are turning away from traditional defined benefits plans, to their detriment, some observers say. Anna ...

Fidelity's IBG Institutional Insurance Program to Offer
Fidelity Investments Institutional Brokerage Group (IBG) is now offering Nationwide Life's fixed and variable annuity products. Under the offering, Nationwide's fixed and variable annuity products will be made available ...

Sandy Strikes Again
Citigroup, led by Chairman and CEO Sandy Weill, expectsto earn a 27.3 percent return on equity this year, up from 22.9 percent in 1999, and it has $791 billion in ...

Wrap Up Your Assets and Leave Taxman in the Cold
Investors now have several ways to limit the taxes paidon capital gains, interest payments, and dividends, including pooled funds, individual savings accounts, offshore insurance bonds, certain pension funds, and "enterprise" ...

A Good Intention Gets Waylaid by Fiscal Concerns
ACLI is backing long-term care insurance tax incentives for those who purchase their own policies, whether they itemize deductions or not. However, legislation that would implement the incentives has ...

Prudential Unit Isn't Likely to Be Spun Off
Specualtion over whether Prudential Life Insurance Co. of America would spin off its Prudential Securities brokerage division ended on Friday with the sudden departure of the unit's chief executive. ...

Testimony for National Insurance Charter
Special interests groups from the banking and insurance industry testified before Congress on September 20th to advocate the creation of a national charter for insurance companies. Glen Milesko, chairman ...

Life Insurer's Proration Method for Calculating
The Internal Revenue Service (IRS) has sanctioned theproration application life insurers use for separate accounts. In itsTAM 200038008 ruling, the IRS said that a life insurer's prorationmethodology for separate ...

Understanding the Motivations of Long-Term Care Insurance Owners
In this article, ACLI Director, Research Paul J. Yakoboski writes about who purchases and why people purchase private individual and group long-term care insurance. Based on 1999 and 2000 ...

Lawyer Urges CPAs to Carry E-Business Insurance
Speaking at an Illinois CPA Society conference, e-business attorney Claudia Rast said accountants should obtain e-business insurance coverage due to the types of malpractice that crop up in e-business. ...

Agents: Sell LTC Policies to Women
Carroll Busher of Financial Care Services advises agents tosell more long-term care (LTC) insurance policies to women. From astatistical standpoint, targeting women for LTC coverage makes moresense. Busher ...

Gen X Wants Financial Planning From Banks
Consumers age 18 to 34 may prefer to get financial-planning services from their banks than from other financial-services companies, according to this year's American Banker/Gallup consumer survey, but they are ...

Online Service Center
Nationwide Financial has started a new Web site called www.bestofamerica.com, which puts various sales and service functions online. The site lets producers check the status of assets that are ...

Planning Ahead
Although the fate of the federal estate tax remains unknown, members of the insurance industry are convinced that survivorship life coverage is still a viable tool for the wealthy. ...

Insurers Adjust to Aging U.S. Population
The Hartford Financial Services Group reduced its life insurance premiums for those 70 years of age and older by between 5 percent and 20 percent this year, as Americans begin ...

Good News! Insurers Extend Your Lifespan
Mortality tables used by the life insurance industry to set premium rates will soon be revised be insurance regulators, which could save consumers a great deal of money on their ...

There's No Place Like Home ... Except for Caregivers!
Without adequate long-term care insurance, people face the possibility that they or a family member could suddenly become an around-the-clock caregiver, and according to the ACLI, 31 percent of those ...

Hope Alive for Tax Measures
Insurance industry representatives remain optimistic that the two current tax provisions tied up in Congress will be enacted this year. The two provisions--pension reform and reforming the present rules ...

Repeat Customers Likely, Others Cool to Bank Sales
John Hancock's second annual John Hancock Bank Channel Consumer User Study finds that most individuals who have gone through bank channels to purchase investment or insurance products would try it ...

U.S. Regulators Propose Cracking Down on Bank Residuals
On Monday, as part of an interagency effort, the Federal Deposit Insurance Corp. (FDIC) decided to tighten capitalrequirements for banks that carry residuals on their balance sheets. Residuals, which ...

Insurers Need to Change Way They Sell to Retirees: Study
Based on its recent study, "The Retirement Income Market: Strategic Implications for Insurers," TowerGroup contends that insurers need to change the way they sell and market their products if they ...

Industry Says 'Me Too' to Stimulus Plan
The ACLI is looking to repeal parts of the tax code that require stock life insurance companies to continue recording notations on their accounts for "policyholder surplus accounts." Those accounts, ...

Multiple Employer Trusts: Using Before-Tax Dollars for Life Ins.
Regardless of the future of federal estate taxes, estate liquidity planning will continue to be a necessity in reaching personal and business planning objectives, according to this article. Estate ...

Basic Principles of Life Insurance Unchanged by Recent Events
In the aftermath of last month's terrorist attacks, Newsweek's Jane Bryant Quinn reviews some basic principles people should remember about life insurance coverage. Quinn says that parents of more ...

Study: More Buyers Seek Life Coverage
According to a recent study by Conning & Co., applications and sales for life insurance products--mainly fixed life products--have been on the rise. The study revealed that since Sept. ...

Standard Insurance Company: Online Claim Triage
Standard Insurance has developed Online Claim Triage--aclaims tracking and retrieval system. Standard's new system allows for faster, more accurate claims payments. The system offers both short-term and combined ...

Pro2Net: Profession-Specific Web Sites
Pro2Net recently launched a group of Web sites that deliver comprehensive resources for professionals in accounting, financial services, human resources, insurance, and law. The sites contain daily insight analysis ...

Trading Premiums
Families with grown children may need to change their life insurance to offset the possible costs of long-term care (LTC), especially since income replacement is not such an issue. Medicare, ...

Need Health Insurance? Good Luck
Health insurance has become a difficult market for individualswho do not suffer from serious health problems, such as hay fever,temporary depression, or asthma. Insurance companies may see suchindividuals as ...

Accelerated Payment
Lincoln National Life Insurance now offers a permanent policy with a stiff single premium that begins advancing the death benefit on a tax-free basis should the policyholder begin to need ...

Use LTC Cost Data to Educate Public
A recent survey by GE Long Term Care Insurance found that the cost to live for one year in a long-term care facility in one of the 10 most expensive ...

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