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Baby Boomers Consider Life Settlements to Fund Retirement
Posted in Life Insurance
January 25th, 2012
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Baby Boomers are strongly considering the option of cashing in their life insurance policies to ensure they have money set aside for retirement, says a survey conducted by International Communications Research (ICR). The survey, released on Wednesday, revealed that a whopping 79 percent of Boomers want to know more about life settlements to keep their lifestyles afloat. 
Prudential to Pay Families $20 Million in Life Settlements
Posted in Life Insurance
January 16th, 2012
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Prudential Life Insurance has agreed to pay up to $20 million to beneficiaries of life insurance policies under the terms of a new settlement deal. The agreement, announced on Friday by the California Controller’s Office, will ensure families are compensated by the insurer after it failed to make benefits payments under an appropriate time frame.
California Enacts Life Insurance Death Benefit Law
Posted in Life Insurance
January 4th, 2012
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California enacted a death-benefit law this week that will place new requirements on life insurance companies. In response to complaints that insurers routinely failed to contact or pay death settlements after policyholders died, the government has moved to increase protections for beneficiaries.
Do Americans Lack Enough Life Insurance Protection?
Posted in Life Insurance
December 26th, 2011
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Do you feel you carry enough life insurance protection to fully cover your family in the event of an unexpected tragedy? According to a recent study conducted by Ipsos Public Affairs, many Americans are concerned they don’t have the financial protection they need.
S&P Issues Stable Outlook for U.S. Life Insurance Industry
Posted in Life Insurance
December 2nd, 2011
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S&P announced in a report this week that it would be maintaining its “stable” outlook for the U.S. life insurance industry. This announcement should help insurers breathe a sigh of relief after the credit ratings agency announced that it issued credit rating downgrades for multiple banks on Tuesday.
Does ‘Overfunding’ Life Insurance Policies Beat Buying Stocks?
Posted in Life Insurance
November 22nd, 2011
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Purchasing a life insurance policy is a great way for a head of household to ensure loved ones will be financially secure after death. However, some people have found ways to use insurance policies as an investment as well.
NY Attorney General to Investigate Unpaid Life Insurance Benefits
Posted in Life Insurance
November 7th, 2011
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New York’s attorney general and comptroller have started investigating unpaid life insurance benefits in a joint effort. After nearly a year of preliminary investigations and issuing subpoenas, the parties say they want to make sure companies keep their promises to beneficiaries and to the state by meeting their payment obligations.
Life Insurance Company AIG Reenters Securities Lending Business
Posted in Life Insurance
November 4th, 2011
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Only three years after taking partial responsibility for one of the largest financial crises in American history, American International Group (AIG) is slowly reentering the very business that contributed to its near collapse: securities lending. The life insurance company disclosed that they were taking this route to boost its income after revealing a $4.1 billion net loss in a third-quarter regulatory filing.
Judge Rules in Favor of STOLI Policies
Posted in Life Insurance
October 12th, 2011
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A Pennsylvania federal judge has ruled in favor of investors who purchased so-called stranger-originated life insurance (STOLI) this week. This ruling lends some support for the practice on the heels of a separate ruling in favor of the insurance industry in Delaware last month.
Why the Best Time to Buy Life Insurance Is When You Don’t Need It
Posted in Life Insurance
October 4th, 2011
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Life insurance is the type of coverage most people seem to know the least about. Because it is not mandatory and typically has no impact on a person’s day-to-day life, many people don’t start thinking about purchasing it until their health begins to fail or they reach their senior years.
Life Insurance FAQs
You most likely have a lot of questions regarding the different life insurance types out there, and you should. It's important to do research and be selective before you buy. Here are some articles to help you start thinking about the advantages and disadvantages of the different types of life insurance. It also answers common questions that people might have.
Pros and Cons of Term Life Insurance
Term insurance is great if you need short-term protection without paying a high premium.
Considering Whole Life Insurance
Are you looking for an investment component to your life insurance policy? If so, whole life insurance may be right for you.
Universal Life Insurance is Permanent
Like a whole life policy, this type of policy will give you returns for your premiums, usually at a guaranteed return no matter how your investments perform.
Variable Life Insurance for Flexibility
If you want to control where your life insurance policy is invested, such as stocks and bonds, this is the perfect policy plan for you.
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