If your clients own life insurance or annuities they may soon be at risk for losing all the money they’ve put in. That dire warning comes from Larry Rybka, chairman and CEO of Valmark Financial Group ...

Insurers are using new tools and resources to assess your health and risks when setting life insurance rates Written By Written by Insurance Staff Writer, WSJ | Buy Side Kimberly Lankford is an ...

Converting life insurance to annuities is a financial strategy that involves transforming the death benefit of a life insurance policy into a stream of income through an annuity contract. This ...

Getting life insurance usually requires a medical exam so your provider gets a clearer picture of your health status. But some policies don't require an exam, including group life insurance and burial ...

・Annuities offer competitive yields but are not covered by FDIC insurance. ・Each U.S. state has a guaranty association that protects annuity holders up to a certain limit. ・Spreading funds across ...

Annuities are often marketed as a safe and reliable source of income, especially in retirement. They come with the promise of steady payments — a sort of paycheck replacement designed to offer peace ...

When it comes to insurance products, here’s one piece of advice: The key isn’t what the product is — it’s what the client wants to do with it. We’ve been trained to think each product has one specific ...

If you want to update a cash-value life insurance policy or annuity, you may have heard of the 1035 exchange. This IRS provision, based on Section 1035(a)(3) of the IRS code, allows you to exchange ...

The life insurance industry sells products that promise future financial security, whether for the policyholder or their beneficiaries. Also known as the life and health (L&H) industry, the primary ...

Amy Danise is the staff Senior Insurance Editor for Buy Side. She has helped consumers understand insurance for more than two decades. Edited By Written by Insurance Deputy Editor, Buy Side Jennifer ...

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