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Volume
10, Number 5- June 2008
An annuity-rescue strategy with an emphasis on paying close
attention to the details.
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Volume
10, Number 4- May 2008
Hidden values in life insurance could unknowingly lead to
huge losses.
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Volume
10, Number 3- April 2008
Legal opinion letters on questionable policy valuations.
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Volume
10, Number 2- March 2008
The inherent advantages of paying gift taxes.
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Volume
10, Number 1- January 2008
With astute management of VUL policies clients can have equity
participation in their life insurance portfolio.
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Volume
9, Number 10- December 2007
Issues involved with using a variable annuity for retirement
income.
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Volume
9, Number 9- November 2007
Three reasons to take a another look at permanent life insurance
over term alternatives.
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Volume
9, Number 8- October 2007
Risks the financial strength
rating services can, and cannot, detect.
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Volume
9, Number 7- August 2007
Creative analysis and approaches
to term insurance that may add value for your clients.
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Volume
9, Number 6- July 2007
An astute analysis is necessary
when contemplating policy replacement.
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Volume
9, Number 5- June 2007
How the secondary market
for life insurance has evolved into - not for the better.
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Volume
9, Number 4 - April 2007
A look at income annuities
for baby boomers entering retirement.
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Volume
9, Number 3 - March 2007
Commentary on index ULs,
and a rejoinder to Steve Leimberg's March 14, 2007 newsletter.
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Volume
9, Number 2 - February 2007
A rejoinder to Steve Leimberg's
recent newsletter on premium financing, and rebuttals to letters
critical of my November 2006 Journal of Financial Planning
column on annuities.
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Volume
9, Number 1 - January 2007
The ramifications of Internal
Revenue Code Section 402(a). Safe harbor value vs. fair market value.
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Volume
8, Number 7 - December 2006
Huge sums to be saved through
policy management.
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Volume
8, Number 6 - October 2006
412(i) Plans Continue to
be a problem for clients.
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Volume
8, Number 5 - August 2006
Maintaining professional
curiosity.
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Volume
8, Number 4 - June 2006
An analysis of the various
types of annuities.
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Volume
8, Number 3 - March 2006
Investor initiated life
insurance posing as charitable donations.
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Volume
8, Number 2 - February 2006
Commentary on Missed
Fortune 101: A Starter Kit to Becoming a Millionaire, by Douglas
R. Andrew.
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Volume
8, Number 1 - January 2006
Again the life settlement
issue races onto our radar screen, but this time in a form posing
a danger to estate planning practitioners.
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Volume
7, Number 6 - November 2005
The intersection of premium
financing and life settlements, an update on death futures
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Volume
7, Number 5 - October 2005
Clients should be alerted
to the possibility of potential tax consequences of so-called return
of premium term insurance
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Volume
7, Number 4 - September 2005
Providing clients with
access to knowledegable input regarding the income tax advantages
of life insurance
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Volume
7, Number 3 - July 2005
Understanding life insurance
policy math, including target premiums and their relation to commissions,
can produce big savings
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Volume
7, Number 1 - January 2005
Using stochastic testing
to evaluate the effect of fluctuating investment yields on variable
life policies
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Volume
6, Number 8 - December 2004
Personal Equity Plans (PEPs)
- a tax avoidance scheme
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Volume
6, Number 7 - November 2004
Marketing life insurance
as death-futures, an ethical abomination
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Volume
6, Number 6 - October 2004
Hidden surrender charges
- the profound potential for loss when policies are terminated
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Volume
6, Number 5 - August 2004
The importance of analysis
before backdating life insurance policies
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Volume
6, Number 4 - June 2004
An analysis of financing
permanent life insurance premiums via third party lenders
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Volume
6, Number 3 - April 2004
No Lapse Premium Guarantee
Policies - an Update
The real issue in assessing the relative risks of buying very aggressively
priced NLPGs is whether adult supervision will arrive on the scene
in time to push them back from the brink
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Volume
6, Number 2 - February 2004
Universal life funding
requirements - Potential large savings
The cost of neglecting regular expert reviews of permanent life
insurance
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Volume
6, Number 1 - January 2004
Defined benefit pension
plans are making a comeback via 412(i) plans
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Volume
5, Number 8 - November 2003
Insured buy-sell agreements
for 100% owners
Entity buy-sell agreements
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Volume
5, Number 7 - September 2003
The impact of volatility
on variable life losses
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Volume
5, Number 6 - July 2003
Financial strength ratings
Anticipating what you ask for
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Volume
5, Number 5 - June 2003
"Free" agent
services
Trust fiduciary's allegiances
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Volume
5, Number 4 - May 2003
No-lapse-premium-guarantees
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Volume
5, Number 3 - April 2003
Large surrender charges
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Volume
5, Number 2 - March 2003
412(i) plans have become
a favorite "wrapper" for tax-avoidance schemes
Legal opinion letters
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Volume
5, Number 1 - February 2003
Permanent life insurance
in tax-avoidance scams
Considering low-load survivorship universal life as an alternative
to cheap term
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Volume
4, Number 3 - August 2002
Life settlement issues
Monitoring smoker ratings for childrens' policies in dynasty trusts
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Volume
4, Number 2 - April 2002
Understanding the macro
planning foundation of your clients' life insurance
Paying premiums out-of-pocket versus via policy dividends
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Volume
4, Number 1 - February 2002
Tax-avoidance and permanent
life insurance
Springing cash values
Diversification
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Volume
3, Number 4 - December 2001
Variable life insurance
and collapsing stock portfolios
Defined-Benefit policy designs
Low interest rates
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Volume
3, Number 3 - September 2001
Viaticals
How insurance companies treat their old policies
Long term care insurance
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Volume
3, Number 2 - July 2001
Secondary guarantees
Taxable income on dividends being accumulated at interest
Disability insurance
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Volume
3, Number 1 - April 2001
Policy loans and phantom
taxable income
Life insurance companies make policy management mistakes
Viaticals
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Volume
2, Number 3 - August 2000
Policy replacement and
surrender policy values v. asset share
Premium management and the health of the insured
Comparing variable life insurance with conventional investing
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Volume
2, Number 2 - April 2000
Vanishing premiums
Monitoring permanent life insurance policies
The proposed repeal of estate taxes
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Volume
2, Number 1 - January 2000
CPAs earning commissions
Lapse-supported pricing
Health history of potential insureds
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Volume
1, Number 3 - September 1999
Exaggerated projected policy
performance and future premiums
Second-to-die policies
with changing values at the first death
The adverse tax consequences of certain insured/owner/beneficiary
relationships
Variable life insurance and fluctuating investment yields
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Volume
1, Number 2 - May 1999
Illustrations showing
exaggerated projected policy values
Policies subject to proposed class settlement
Policies purchased prior to non-smoker discounts
Deferred annuities
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Volume
1, Number 1 - February 1999
Poorly priced universal
life policies
Handling companies that have been seized by regulators
How to handle outstanding policy loans
Long term care insurance
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