E&O Insurance: Cost and Deductibles Skyrocket
The days of $1,500 errors and omissions insurance with a $5,000 deductible are quickly coming to an end.
Andy Friedman on How to Handle Health Care Reform
Businesses and individuals have decisions to make before Obama’s health care law takes effect Jan. 1.
Choice and Control: Regularly Review Your HNW Client’s Insurance
As Diane Brinson of Momentous Insurance argues, insurance is a “living organism.” As a person’s circumstances change, their coverage must keep pace.
HSAs: A Powerful Tool for Covering Clients’ Higher Health Care Costs Under ACA
The looming deadlines for implementing many key Affordable Care Act (Obamacare) provisions have many of your clients wondering how they can cushion the impact of the rising premium costs they fear will accompany them. HSAs may be the way to go.
Matching HNW Clients’ Coverage With Their Risk Profile
Even, and especially, for the high net worth, make sure those clients’ insurance coverage matches their risk profile. Ask probing questions to determine their real, if often overlooked, risks.
Playing Defense on Bonds
The recent bull market in bond prices has been called the biggest bond bubble in history. Thanks to a combination of stock-averse investors and multi-billion dollar purchases of U.S. Treasuries by the Federal Reserve, higher bond prices have fueled the boom. But what happens when the trend reverses? How can...
4 Ways to Hedge Against a Stock Market Correction
With recent highs going ever higher, there are several strategies for advisors and clients to consider.
LTCI Benefits Exceed $6B in 2012
Insurers paid $6.6 billion in long-term care insurance benefits in 2012, according to the American Association for Long Term Care Insurance.
Trusts and LLCs: Smart Ways to Transfer Wealth and Risk, but Mind the Details
There are many intelligent reasons to transfer high-value assets to a trust or LLC, but there’s a devil lurking in the details, specifically the insurance considerations.
“Expect the best, but plan for the worst” is advice you’ve probably given your clients for years. But what happens when the worst is worse than their most awful fears?