Insurance http://wealthmanagement.com/taxonomy/term/23481/more en When Working Women Need Disability Planning http://wealthmanagement.com/insurance/when-working-women-need-disability-planning <div class="node-body gallery-body">No advisor wants to think about one of their clients getting hurt or ill to the point where they’re physically not able to continue working. But every advisor should plan for it.</div> <div class="og_rss_groups"></div><p><a href="http://wealthmanagement.com/insurance/when-working-women-need-disability-planning" target="_blank">read more</a></p> http://wealthmanagement.com/insurance/when-working-women-need-disability-planning#comments Business Planning Insurance Wealth Planning Fri, 24 Oct 2014 09:10:00 +0000 689211 at http://wealthmanagement.com Should You Use Term Insurance for Younger Clients? http://wealthmanagement.com/insurance/should-you-use-term-insurance-younger-clients <div class="field-deck"> Today’s term insurance rates are 50 percent less than they were 20 years ago and 10 percent less than 10 years ago </div> <div class="node-body article-body">The majority of young individuals lack life insurance coverage, a recent LIMRA study found. Term insurance may be ideal for that demographic. </div> <div class="og_rss_groups"></div><p><a href="http://wealthmanagement.com/insurance/should-you-use-term-insurance-younger-clients" target="_blank">read more</a></p> http://wealthmanagement.com/insurance/should-you-use-term-insurance-younger-clients#comments Insurance Wealth Planning Tue, 21 Oct 2014 15:53:00 +0000 686301 at http://wealthmanagement.com Healthcare Inflation is on the Mend http://wealthmanagement.com/retirement-planning/healthcare-inflation-mend <div class="field-deck"> A 65-year-old couple retiring this year will need to have saved $220,000 to meet their future health-care expenses, the same estimate as last year </div> <div class="node-body article-body">That’s good news for your retiring clients. With the annual Medicare enrollment period for drugs and Advantage care plans opening Oct. 15, here’s a look at how healthcare costs are shaping up in the year ahead.</div> <div class="og_rss_groups"></div><p><a href="http://wealthmanagement.com/retirement-planning/healthcare-inflation-mend" target="_blank">read more</a></p> http://wealthmanagement.com/retirement-planning/healthcare-inflation-mend#comments Insurance Retirement Planning Fri, 10 Oct 2014 15:00:00 +0000 677031 at http://wealthmanagement.com <p>The Congressional Budget Office has cut its Medicare spending forecast in each of last six years, and its 2019 spending forecast is now $95 billion lower than it was four years ago.</p> Copyright John Moore, Getty Images Industry Insights with WeiserMazars' David Weinstock - Part 2 http://wealthmanagement.com/wealth-planning/industry-insights-weisermazars-david-weinstock-part-2 <div class="node-body video-body">WeiserMazars Wealth Advisors' David Weinstock talks about the role life insurance plays in estate planning for those of moderate wealth.</div> <div class="og_rss_groups"></div><p><a href="http://wealthmanagement.com/wealth-planning/industry-insights-weisermazars-david-weinstock-part-2" target="_blank">read more</a></p> http://wealthmanagement.com/wealth-planning/industry-insights-weisermazars-david-weinstock-part-2#comments Wealth Planning Insurance Estate Planning Thu, 18 Sep 2014 17:51:00 +0000 658131 at http://wealthmanagement.com Industry Insights with WeiserMazars' David Weinstock - Part 1 http://wealthmanagement.com/wealth-planning/industry-insights-weisermazars-david-weinstock-part-1 <div class="node-body video-body">WeiserMazars Wealth Advisors' David Weinstock talks about the role of life insurance in the estate planning process given the current $5 million-plus exemption environment.</div> <div class="og_rss_groups"></div><p><a href="http://wealthmanagement.com/wealth-planning/industry-insights-weisermazars-david-weinstock-part-1" target="_blank">read more</a></p> http://wealthmanagement.com/wealth-planning/industry-insights-weisermazars-david-weinstock-part-1#comments Wealth Planning Insurance Estate Planning Thu, 18 Sep 2014 17:45:00 +0000 658121 at http://wealthmanagement.com Sizing Up a Client’s Lifespan http://wealthmanagement.com/insurance/sizing-client-s-lifespan <div class="field-deck"> Advisors should assume clients will live to at least 90 when they set up retirement plans using insurance and investment products </div> <div class="node-body article-body">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.</div> <div class="og_rss_groups"></div><p><a href="http://wealthmanagement.com/insurance/sizing-client-s-lifespan" target="_blank">read more</a></p> http://wealthmanagement.com/insurance/sizing-client-s-lifespan#comments Insurance Estate Planning Retirement Planning Tue, 16 Sep 2014 13:20:00 +0000 654761 at http://wealthmanagement.com Image courtesy The Commons/The U.S. National Archives Sell Half, Keep Half -- Newest Life Settlement Option http://wealthmanagement.com/insurance/sell-half-keep-half-newest-life-settlement-option <div class="field-byline"> Stephen Terrell </div> <div class="field-deck"> Retained death benefits allow a senior to sell a life insurance policy for immediate cash but also keep a portion of the death benefit for loved ones </div> <div class="node-body article-body"><p>The most exciting development in the life settlement industry in recent years is a new product known as retained death benefits.</p> </div> <div class="og_rss_groups"></div><p><a href="http://wealthmanagement.com/insurance/sell-half-keep-half-newest-life-settlement-option" target="_blank">read more</a></p> Asset Protection Insurance Wealth Planning Fri, 29 Aug 2014 14:00:00 +0000 640731 at http://wealthmanagement.com agustavop/iStock/Thinkstock The Hidden Costs of Partial Premium Payments http://wealthmanagement.com/insurance/hidden-costs-partial-premium-payments <div class="field-deck"> It’s the equivalent of an interest rate charge </div> <div class="node-body article-body">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.</div> <div class="og_rss_groups"></div><p><a href="http://wealthmanagement.com/insurance/hidden-costs-partial-premium-payments" target="_blank">read more</a></p> http://wealthmanagement.com/insurance/hidden-costs-partial-premium-payments#comments Insurance Tue, 19 Aug 2014 14:00:00 +0000 632551 at http://wealthmanagement.com July 2014 Insurer Downgrade/Watch List http://wealthmanagement.com/insurance/july-2014-insurer-downgradewatch-list <div class="field-deck"> Four saw their star ratings drop </div> <div class="node-body article-body">During July of 2014, ratings for these insurers were downgraded or placed on the watch-list by one or more of the rating services that evaluate the financial strength and claims-paying ability of insurance companies.</div> <div class="field-content-focus"> <span>Content Classification:&nbsp;</span> Curated </div> <div class="og_rss_groups"></div><p><a href="http://wealthmanagement.com/insurance/july-2014-insurer-downgradewatch-list" target="_blank">read more</a></p> http://wealthmanagement.com/insurance/july-2014-insurer-downgradewatch-list#comments Insurance Public Thu, 07 Aug 2014 14:25:00 +0000 624711 at http://wealthmanagement.com Wavebreakmedia Ltd/Wavebreakmedia/Thinkstock Would John Templeton See Light at the End of Aflac’s Tunnel? http://wealthmanagement.com/viewpoints/would-john-templeton-see-light-end-aflac-s-tunnel <div class="node-body article-body">VIEWPOINTS: Bill Smead, Founder, Smead Capital Management; Aflac has a history of profitability, consistently gorgeous free cash flow and has generated huge wealth for shareholders. Still, current business negatives cause most investors to avoid shares of the company.</div> <div class="field-stocksymbols"> <span>Stock Symbols:&nbsp;</span> AFL </div> <div class="og_rss_groups"></div><p><a href="http://wealthmanagement.com/viewpoints/would-john-templeton-see-light-end-aflac-s-tunnel" target="_blank">read more</a></p> http://wealthmanagement.com/viewpoints/would-john-templeton-see-light-end-aflac-s-tunnel#comments Viewpoints Insurance Viewpoints Investment Tue, 05 Aug 2014 17:25:00 +0000 622051 at http://wealthmanagement.com <p><span>Bill Smead, Founder, Smead Capital Management</span></p>