Entries by Bruce Alfredson, CLU, ChFC

3Q Individual Life Premium Up 4%

Total individual life insurance new annualized premium improved four percent in the third quarter, according to LIMRA’s Retail Individual Life Insurance Survey.  Click here to read more

The perfect tax-favored investment vehicle

Today’s investors typically seek three things: safety, income and tax advantages. Unfortunately, there are few investments that satisfy all three, especially the desire for income at a satisfactory level.  Click here to read more

Talking Buy-Sell Reviews

Two industry experts discuss various approaches to exit planning, business valuation and buy-sell agreements.  Click here to read more  

If client tests positive, the next step is yours

A new blood test being developed to identify the likely onset of Alzheimer’s disease up to a decade before current tools can offer financial advisers and clients great opportunities but also presents clients with a dilemma. To be tested or not to be tested?  Click here to read more

Whole life insurance coverage may be worth the higher cost

The supposed life insurance “rule” that you should purchase a policy worth about five times your annual income doesn’t consider your unique needs. Though whole life insurance rates are higher than term life rates, the benefits of increased coverage may be worth spending a few dollars more.  Click here to read more

8 great takeaways from NAILBA 33

At NAILBA 33, speakers and attendees exchanged information that is most pertinent to the insurance industry. Among the topics covered were: New ways to serve clients and differentiate your firm; thinking differently about cash accumulation products; and social selling—how to prospect and generate leads with LinkedIn, just to name a few.  Click here to read […]

NAILBA 33: 5 funding options for LTCI

At NAILBA 33, I had the chance to hear Andrew Bucklee discuss the importance of long-term care insurance. Bucklee is Lincoln Financial’s head of Insurance Solutions Distribution, and is well aware of the biggest roadblock to LTCI: Funding.  Click here to read more

AIG jumps in with longevity annuity for IRAs

Well, the IRS changed the rules and AIG responded. In fact, it appears to have been first out of the gate. New regulations from the IRS governing qualified longevity annuity contracts, issued July 2, opened the door to deferred income annuities in 401(k) and other retirement products.  Click here to read more

IUL Illustration Rules Clash at NAIC

WASHINGTON — An NAIC task force wants to have a compromise regulation on the illustrations insurers and agents can use in marketing indexed universal life insurance (IUL) ready for task force action at the spring NAIC meeting in late March.  Click here to read

How to Avoid Tax Disasters That Doom Finances

We all know the tragic tale of the Titanic that ended in disaster when the great ocean liner hit an iceberg that no one saw.  click here to read more