Life INSURANCE PERSPECTIVES
Flexible Premiums and Diversificationline. E
The January 2012 newsletter is now available on-xamine options for level death benefit policy design.

AICPA Insider
Index Universal Life Insurance
January 19, 2012. Beware of a possible new scam.

AICPA Insider
Life Insurance Policies in a Medical Corporation
December 15, 2011. Common errors exposed.

AICPA Insider
Business Continuation in Buy-Sell Planning
November 17, 2011. Two complicated scenarios revealed when younger shareholders are added to the mix.

AICPA Insider
Business Continuation Planning in Closely Held Business
October 20, 2011. Why it's not just about nursing homes.

AAII Journal
Life Insurance: Managing Premiums and Policy Maturity
June 2011, by Peter Katt. Many participating whole life policies and universal life policies have death benefits that mature between ages 95 and 100, making routine management a necessity.

The Wall Street Journal
A College-Saving Strategy That Could Flunk Out
Saturday/Sunday, July 2-3, 2011, By Mary Pilon and Leslie Scism. The problems with variable uniersal life insurance policies pitched as vehicles for college savers in the 1990s. "The problem is that variable uniersal life is also a 'particularly complex and difficult' type of life insurance that typically carries higher costs than other types, days Peter Katt, a fee-only life-insurance adviser in Kalamazoo, Mich."

Journal of Financial Planning
A Complex Game: The Life Settlement Process
March, 2011, by Peter Katt. The life settlement process, an example.

PIABA Bar Journall
Updating the Life Settlement Market
Volume 17, No. 4, 2010, by Peter Katt. The recent issue of PIABA Bar Journal contains an article from Peter Katt on life insurance settlements.

USA Today
Have life insurance? Is it enough or maybe too much?
Friday, Dec. 10, 2010, By, by Christine Dugas and Sandra Block. Family protection life insurance, how much is enough?

"People don't think about, 'What will my family do if I am gone and not earning a living?'" says Peter Katt, a fee-only life insurance adviser. "The whole point of this kind of planning is to provide the family with maximum flexibility so they're not stuck."

The Wall Street Journal
Juicing Your Life Insurance
Saturday/Sunday, June 5-6, 2010, By Leslie Scism. This article takes a look at indexed universal life. A form of permanent life insurance that appeals to people eager to capture stock-market gains while avoiding undue risk. The policies, however, are more complex and expensive than many agents let on. "Peter Katt, a fee-only insurance adviser in Mattawan, Mich., says one of his concerns is a lack of industry-wide standards for projections of the policies' performance in marketing materials."

Money Magazine
5 Things You Need to Know About...Permanent Life Insurance
March 2010, by Linda Stern. Permanent insurance protects your family's finances when you die, while also providing an investment component that builds within the policy and can be tapped or borrow against if needed. "That makes permanent insurance useful for high earners who max out other tax-deferred savings, says life insurace adviser Peter Katt of Mattawan, Mich. Because it lasts a lifetime, a permanent policy may also make sense for older people who'll have illiquid estates - like small-business owners - but want to pass on money.". . . "If you think you're a candidate for a permanent policy, find an independent expert to help you pick among these. Search 'fee-only life insurance' online to find pros who charge hourly fees (around $300) and eschew commissions from insurers."

The Wall Street Journal
Whole-Life Insurance, Long Derided, Gets New Lease
Saturday/Sunday, February 27-28, 2010, by Leslie Scism. Permanent life insurance was a rising star during the financial crisis. Thanks to conservative investments in bonds, whole life and universal life policies delivered positive returns during the economic down-turn. Also, "Investment gains are tax-deferred, and you are able to withdraw tax-free much or all of what you put into the policy. The policies are a good way for many people who have maxed out contributions to 401(k)s and other tax-advantaged plans to save for a variety of purposes before they die, says Peter Katt, a fee-only life-insurance adviser in Mattawan, Mich."

FORBES.COM
Forbes is now posting articles by Peter Katt on their website, www.Forbes.com. To see his articles, go to their website and search for Peter Katt.