Moving beyond the learning curve

Article Abstract:

Individual investors are focused on viatical investments. Viatical insurance settlement involves the sale of a life insurance policy at a discounted price to a third party prior to the death of the insured. A study shows that when terminally-ill insured person dies ahead of the projected life expectancies, investors can get profit margins of 45% or more. Buying viatical policies is a negotiation. The viatical funder should make an offer high enough to beat other investors but low enough to ensure a profit margin.

Economic aspects, Viatical settlements

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Wall Street Firm a tough competitor for insurers

Article Abstract:

Four primary markets have been the the focus of Merrill Lynch Insurance Group. These are asset accumulation for retirement income, wealth transfer, estate planning and business insurance. Wall Street poses as a tough rival on some insurance industries. However, experts believe that insurers face more competition in the affluent market and not with any other banks or firms offering the same services. Insurance industry is a sophisticated marketplace requiring a personal touch and expertise.

Services, Merrill Lynch Life Insurance Co., Wall Street Financial Corp., WSFC

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Insurers prevail at NAIC on budget, credit reports

Article Abstract:

The National Assn of Insurance Commissioners (NAIC) adopted a budget resolution supported by the insurance industry and postponed action on a white paper on the use of credit reports in underwriting. These actions were voted upon during the June plenary session at the NAIC summer national meeting in Chicago, IL. The actions taken on the budget resolutions and credit reports constituted two victories for the insurance industry.

National Association of Insurance Commissioners

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