Variable life - the product of choice in the sophisticated marketplace

Article Abstract:

Flexible premium variable life insurance is widely chosen because it combines the best aspects of a universal life policy with premium and benefit flexibility. Variable policies have all the tax benefits of life insurance while they are protected from the insurance company's insolvency. Policy owners control the risk level through asset allocation and 75% of the money is in equity type accounts which traditionally produce 5% more than fixed income accounts. Policy owners receive complete fee and expense disclosures and the money is protected from policy owners' creditors.

Evaluation, Variable life insurance

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To be or not to be, that is the pension question

Article Abstract:

The choice of a qualified benefit plan has become increasingly complex for employers because of extensive federal regulations including the Tax Reform Act of 1984 with its nondiscrimination provisions. Defined benefit plans are common because they maximize accumulated dollars but must be carefully analyzed for compliance with the nondiscrimination provisions. Comparability plans under the Reform Act are often selected because they appear beneficial, but all alternatives should be considered and an actuary consulted.

Laws, regulations and rules, Accounting and auditing, Employee benefits, Qualified benefit plans

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Rate of return assumptions

Article Abstract:

Rate of return assumptions for education, retirement and life insurance planning are essential especially because of the lower interest rates in the early 1990s. The different time frames involved change the rate of return assumptions and what are the best vehicles for investment. For example, while bonds outperform inflation in 10 year spans, if the 20 years before 1991 are examined they do not. Planners should underestimate returns and use a simplistic rather than a complex approach.

Analysis, Planning, Life insurance, Retirement planning, Return on investment, Rate of return

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