National Underwriter Life & Health Magazine May 18, 2009
Cover Story
Recession Casualty
The old adage "neither a borrower nor a lender be" has a contemporary ring to it these days...
Focus
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Dental Plans Have Data For Health Reformers To Chew On
Dental plan trade groups are hoping statistics concerning the importance of dental care and dental benefits will help improve their position in the health reform debate.
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When Clients Have Gaps In Health Coverage-Sell Plugs
The recession is forcing consumers and their insurance advisors to face a troubling reality: Even many Americans with good incomes and solid health insurance can have large gaps in their benefits.
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Enhance DC Plans With Account Guarantees
The recent economic downturn revealed a real problem in the array of investment choices in most defined contribution plans. Fortunately, solutions are readily at hand.
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Poor Economy Means More Work For DI Special Investigation Units
Desperate times often lead to desperate measures.
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Rollovers Can Also Benefit Plan Sponsors
Using rollovers to clean out a cluttered 401(k) plan can be a quick, painless way to help sponsors cut administrative costs and control risk.
News
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Feds Renew LTC Program--But Only With Hancock
The U.S. Office of Personnel Management has named one company to be the sole Federal Long Term Care Insurance Program carrier. It also is increasing rates for in-force policies.
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ING To Expand 403(b) Role
ING U.S. Retirement Services wants to enter a new arena in the nonprofit educational institution retirement plan market.
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LISA Wins Court Battle
A Florida administrative judge has tossed out part of a proposed state insurance regulation that could require life settlement firms to file detailed annual reports on out-of-state deals as well as Florida deals.
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LTC Costs Up Again
The annual cost of a private nursing home room rose 4.7% this year, to $74,208, according to Genworth Financial Inc.
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Industry Gears Up To Fight Tax Changes
The life insurance industry is gearing up to fight sweeping changes in tax laws proposed by the Obama administration last week, among which is one that could severely reduce sales of corporate-owned life insurance.
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Major Healthcare Players Propose $2 Trillion In Savings Over 10 Years
Sectors of the entire healthcare industry, including health insurers, are pledging to work to shave $2 trillion or more over 10 years in the cost of healthcare...
Features
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Full Disclosure Whole Life Report
This report features charts and information on 27 policies. All of them are participating (dividend-paying) with the exception of 3 all-guaranteed policies.
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Asset Protection Is Key To The Estate Plan: AALU Panelists
What factors do bankruptcy judges weigh when determining whether gifted assets escape claims by creditors? How much creditor protection is afforded life insurance policies?
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Case Against SEC's Rule 151A Now In Hands Of The Court
Whether equity-indexed annuities will be subject to federal or state regulation will likely hinge on a federal appeals court panel's view on how much risk in a product currently sold as insurance "is too much risk" to be exempt from federal oversight.
Opinion
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Stop Stressing
The federal government has completed its stress tests of the nation's 19 largest banks and bank-like institutions and in this era of trillions of dollars, there is good news.
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Look For The Loss
The late, great John Newton Russell Award recipient, Isaac Kibrick, popularized the concept of "looking for the loss" in connection with insurance selling.
