National Underwriter Life & Health Magazine November 13, 2006
Cover Story
PPA Should Boost Combination Products
The Pension Protection Act passed and signed this summer greatly enhances the appeal of combination (or integrated) insurance products.
Focus
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Clarify The New VA Rider Benefits For Consumers
We have written in the past about concerns with the proliferation of benefits provided to variable annuities through the various riders that have come to ...
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Exciting New Opportunities In Hybrid LTC Policies
We see exciting new opportunities for the life insurance and annuity industry as a result of federal legislation with the enactment of the pension reform ...
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Underwriting Reporting: A Common Ground For Insurers, Settlement Firms
The life insurance and life settlement industries have been at odds with each other for quite some time now. This is understandable but unfortunate.A better ...
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Where Do Discount Medical Plan Organizations Fit In?
Discount medical plan organizations (DMPOs) are something that insurance professionals are encountering in the marketplace and sometimes in the questions of their customers. But what ...
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What's Limiting Innovation In The World Of Index Annuities
The business environment usually drives change. In the life insurance world, for instance, years of rising interest rates that negatively affected cash value life sales ...
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Income Distribution Future: Bundling Products, Riders
What will be the cutting edge product of 2007? Rather than a particular product or rider, the real excitement will be bundling different products and ...
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The Rising Tide Of Shared Care LTC Sales
Despite declining sales in the overall long term care insurance industry for several years, shared care LTC sales are increasing rapidly, and this is likely ...
News
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Meanwhile... In The States
Election results for Congress made the biggest headlines last week, but Washington, D.C. wasn't the only focus of insurance industry political operatives on Election Day, ...
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Democratic Sweep Reshapes Congressional Landscape
Democratic control of the next Congress could mean that the life insurance industry agenda will fare better than it has under the last 6 years ...
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NU's Parent, Highline Media, Is Acquired By Bigger Equity Firm
Highline Media, corporate parent of National Underwriter, has been acquired--along with Pfingsten Publishing--by Wind Point Partners, a private equity firm. The 2 companies will operate ...
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SEC Will Do Study On Financial Product Sales
The U.S. Securities and Exchange Commission is hiring an outside company to help it analyze the marketing and delivery of financial products to individual investors.The ...
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Expense, Lapse Ratios Remain Steady
Life insurers seemed to hold their own in 2005 when it came to toeing the line on insurance operating expenses and lapses.Insurance expenses inched up ...
Features
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Ga. Commissioner Sets New Rules For Annuity Sales
Georgia Insurance Commissioner John W. Oxendine has issued a new regulation requiring insurance companies and agents to sell annuities only when certain they are right ...
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Most LTC Claims Are
Almost 58% of long term care claims submitted to UnumProvident Corp. are for people under age 65, the company says.That's true for both group and ...
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About Full Disclosure
The excerpts in this report are a part of the data available in the Full Disclosure software subscription series. Easy-to-use editions cover universal, whole, survivorship, ...
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VL/VUL Design Objectives
AIG American General Life Platinum Investor VIPFlexibility; low premium to endow; cash accumulation; maximum retirement income; guaranteed minimum withdrawal benefit; rolling targets, guaranteed coverage to ...
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Full Disclosure Variable Life Report
Full Disclosure surveys variable life insurers twice each year and tracks illustrated values as well as other benefits each brings to the marketplace. While it ...
Opinion
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Thoughts On The Distribution Of Wealth
Recently a friend posed a hypothetical question for me to answer. He asked, "If you won a lottery, what would you do with the winnings--take ...
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'S Wonderful
This is an advisory to those people who upbraid me every time I write a column involving politics and tell me that politics has no ...
