Participating policyholder rights: the next challenge

Article Abstract:

The life insurance industry may soon have to clarify their policyholders' participation rights. The traditional practice has been to prevent policyholders from understanding how policy operation and performance is managed. Life insurers are vague on the allocation rights of stockholders and policyholders to insurers' earnings. Additionally, these insurers sometimes obscure how they make distributions allocated to their policyholders.

Management, Laws, regulations and rules, Life insurance industry, Insurance policies

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CD/policy loan offers bank-product alternative

Article Abstract:

Insurance agents can compete with burgeoning bank sales of insurance by marketing life insurance policy loans to offset portfolio investment income. The policy loan strategy benefits investors by potentially reducing income taxes by 80% or more over a 15-to-20 year period on certain investments and providing the security of a certificate of deposit. The strategy benefits agents by providing multiple commissions.

Column, Certificates of deposit

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A way to compare apples to oranges

Article Abstract:

A cost and rate box can be an effective way to illustrate a life insurance policy's financial structure to a customer. Such an illustration can be applicable to a wide range of life insurance policies, including whole life and universal life, because the terms used are often familiar to most customers. Further analysis of the benefits of cost and rate boxes are included.

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