Advisors should assume clients will live to at least 90 when they set up retirement plans using insurance and investment products

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

It’s the equivalent of an interest rate charge

Four saw their star ratings drop

In my commentary last month, I talked about the “Insurance Gap” and how many advisors are missing a significant opportunity in their practice by not including insurance as an integral part of their client’s financial plan. This month, I’ll take ...

As someone who came into the investment business in 1980, I was immediately enamored by the logic of Sir John Templeton. He was the founder and portfolio manager during the first 40 years of the Templeton Growth Fund. During his tenure the fund...

Ladenburg Thalmann Financial Services (NYSE MKT: LTS) has acquired Highland Capital Brokerage, a wholesale life insurance brokerage based in Birmingham, Ala., for $42 million. The company says the acquisition will provide Ladenburg’s 2,800...

Wealthy individuals and families interested in tax-efficient investing are increasingly drawn to the benefits associated with Private Placement Variable Annuity (PPVA) Investment Accounts.  This article provides an overview of PPVA Investment...