Alan Lavine

Alan
Lavine

Alan Levine is a contributing writer to REP. and author of some 15 books on investments and insurance. He also writes a column for Dow Jones Marketwatch's "Retirement Weekly."

Articles
Sizing Up a Client’s Lifespan
Actuary tables are a useful place to get an idea of a client’s life expectancy for planning purposes. But if your clients are healthy, rich, urban and educated, add at least ten years to the number.
The Hidden Costs of Partial Premium Payments
Consider that if your client pays insurance premiums monthly, quarterly or semi-annually, it costs more than paying a lump sum—it’s the equivalent of an interest rate charge, and higher than you think.
New Strategies for Same-Sex Life Insurance 1
Demand is brewing for same-sex life insurance in the wake of the Supreme Court decision to strike down the Defense of Marriage Act. That opens up new wealth management strategies for same-sex couples.
Who Should Buy an Income Annuity?
Sales of deferred income annuities are growing thanks to pre-retirees concerned with outliving their money. But be cautious before advising your client buy one.
Should You Buy a Critical Care Rider?
As Americans continue to live longer, insurers are adding chronic illness riders, which hike costs and boost quality of care, to their life insurance policies.
Rethinking the Need for Immediate Annuities
While older clients' investment portfolios may include immediate annuities as a substitute for bonds, beware of these pitfalls.
Donating Life Insurance 1
It’s possible for philanthropic-minded clients to donate their life insurance to charity — and get an attractive tax deduction.
Life Insurance and Prenuptial Agreements 
Death benefits from an insurance policy, as part of a prenuptial agreement, can help families avoid conflicts when relationships dissolve.
The Big Data Dive for Life Insurance 
Better data and new algorithms mean clients may not have to wait long for better-priced life insurance.
Term Insurance Comes Under Fire  4
Four out of five advisors sell term life insurance to their clients. But as terms get shorter and renewal rates trend upwards, clients may be better off buying whole life instead
Critical Illness or Long-Term Care?  1
Should you recommend your clients get critical illness insurance? In many ways, it’s an emotional, rather than financial, decision.
The Old-Fashioned Variable Annuity, Staring Into Retirement 
Advisors long for the good old days when variable annuities had high guarantees. But guarantees are not what they once were, and advisors continue to shun VAs.
Overcoming Insurance Reluctance  2
Who needs insurance? For many clients, it’s a subject too easily deferred or ignored. By understanding the emotional barriers, advisors can help clients make the rational decisions.
Do Your Clients Have Insurable Interest? 
State regulators and insurance companies are paying extra attention to the issue of insurable interest, and advisors better be careful in writing life insurance policies.
Insurance Strategies to Build Wealth
When it comes to life insurance, rarely does one size fit all. So why not tailor a policy to fit your client’s investment and estate plans?
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