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Beneficiary Designation Considerations

Life insurance is purchased with consideration for others. An insured is not going to receive the policy proceeds. Family members are usually the designated recipients. Selecting the way to protect…

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Life Insurance Policy Checklist

E&O classes always stress the need to use checklists. P&C exposures change over time and policy coverages must change with them. This is also true with life insurance. The needs…

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Key Person Insurance

It may surprise a client to find that the company’s most valuable asset was not insured. This would be especially upsetting for an insured who felt that there was always…

How to Put L&H Insurance in the P&C Agency – Part 3 of 3

Many insurance agencies have found it easy to increase revenue and services offered by adding life and health insurance to the agency portfolio. Numerous prospects already in the agency client…

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Understanding the Viatical Settlement

Viatical settlements, or accelerated death benefits, were controversial products developed in the 1980s following publicity for the AIDS epidemic. There were touted as a means for terminally ill patients to…

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Facts About Whole Life

Term insurance policies have always been a popular product. The premiums involved seem to make people feel that it is the ideal solution to their insurance needs. The belief is…

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Life Insurance Basics: Term vs. Whole Life

Any general discussion of life insurance should begin with the observation that the life insurance industry in the United States has been transformed over the past 30 years or so.…

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Life Insurance Basics: Varieties of Whole Life

Students of insurance are sometimes dismayed to discover that there are no fewer than four basic kinds of whole life insurance: traditional (participating and non-participating), universal, variable, and variable universal,…

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