Tracking the path of products

Article Abstract:

Prospects are good for life insurance industry marketing of annuities, accelerated death benefits and group long-term care. Life Insurance Marketing and Research Association figures show that sales of annuities grew by an average of 20% annually between 1986 and 1990, with growth continuing, though at a slower pace, in 1991. Accelerated death benefit policies appear to have growing popularity, but tax questions regarding these policies remain. Long-term care insurance policies are improved, now offering inflation protection. Term insurance is still the most widely marketed product.

Commercial Banks, Accident and health insurance, Research, Banking industry, Services, Interview, Long-term care insurance, Long term care insurance, Life Insurance Marketing and Research Association

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Keeping the faith on annuities

Article Abstract:

The annuity business should prosper in the 1990s, despite turbulence in the financial service industry. Sales of annuities, which rose to $129.3 billion in 1991, now account for almost half of insurance industry premium volume. Consumers should study the financial health of companies offering high-yield annuities before buying. The prospect for annuities remains sunny.

Evaluation

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Toward a secure retirement

Article Abstract:

The primary goal of financial planners is to allow clients to retire and continue to live at their present standards. Agents need to take into account the insured's cash flow, risks and other income-producing tools in order to design plans including annuities, bonds and trusts. Three case studies of retirement plans are outlined and analyzed.

Investment advice, Management, Planning, Financial planners, Retirement income

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