The challenges of long COVID-19 can play havoc with getting a client underwritten for life insurance.

Consumers are trusting financial advisors with their hard-earned money, and they are expecting something in return.

A death benefit is an income distribution portfolio waiting to happen.

There are lessons that middle-class clients can learn from the ways wealthy individuals use life insurance to grow and transfer wealth.

An idea that cycles through multiple specialty drug programs and often leads to a major cost reduction.

Many population groups are underserved when it comes to owning life insurance.

More than two-thirds (68%) of Americans say discussing end-of-life preparations with family/loved ones is important, but fewer than half (47%) have actually done so, according to survey data.

COVID-19 has created opportunities and prompted conversations that the industry should embrace to close the coverage gap and promote better outcomes for our customers.  

While classified as variable annuities, indexed-linked products do not fit into Model 250, which includes the nonforfeiture rules that determine how much money a contract holder can get back if they give up the annuity.

Struggles to put blocks of long-term care insurance sold decades ago on sound financial footing have virtually paralyzed the LTCi industry. Insurers have fled the business and regulators turned against one another. Yet the business remains enticing for some.

The challenges Americans faced during the last two years have caused many to redefine what is most important to them and rewrite rules to chart a new path. That new journey may require some financial guidance, however.

Following comments from the Federal Reserve Friday, experts interviewed raised the likelihood of rising premiums on annuities and life insurance products as interest rates climb.