IRS Untangles One Transfer-for-Value Rule Trap
Preferential tax treatment and the flexibility to restructure allocations in estate planning simply don't mix well when it comes to investing in life insurance. A recent IRS private letter ruling could help change that.
Permanent Life Insurance: A Smarter Investment Product?
For those clients who have grown weary of the fluctuating market for stocks and bonds, the steady returns offered by so-called “permanent” life insurance policies may be the solution.
German Bankers Argue Over ECB Supervision Plans
The EC has plans to give the ECB authority to supervise all eurozone banks, but the German government says that only the largest banks should be subject to ECB oversight.
Life Settlements—Are They Back?
One question financial advisors should be asking themselves today is whether life settlements have returned to the fold as a viable tool in their clients’ planning strategies.
Life Partners: Grow Your Practice With an Insurance Partner
Between the ongoing market volatility and the rapid evolution in insurance products, it’s easy to see why many financial advisors aren’t talking to their clients about life insurance.
Young Investors More Likely to Buy Insurance From Banks
Young people are more likely to consider buying a life insurance policy through their bank than older generations, a study released Monday by LIMRA found.
Milevsky’s ‘The 7 Most Important Equations’: Book Review
Let me deal with the necessary disclaimers first: I am a huge fan of Moshe Milevsky, a prolific author and my colleague at Research magazine. That said, Professor Milevsky’s new book is a terrific read.
Whole Life Policies: Tapping Cash Value as Alternative to Equity Investing
Whole life insurance has taken the spotlight as investors seek secure alternatives to rocky equity markets. An advisor’s guidance can be critical in determining whether a whole life policy is a smart investment for any given client.
Post-Retirement Health Care: A Quarter-Million-Dollar Dilemma
Many of your clients retiring this year are likely to incur about $240,000 per couple in out-of-pocket health care expenses during retirement. How do you advise them to cover these expenses on a fixed income?
Milevsky: What Is Your Financial Legacy – Today?
In the beginning, life insurance was perceived as just another gamble, or a game of chance, involving three parties.