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Index to Recent Life Insurance Resources at MostChoice: Companion Life Insurance Announces New Executive Marketing OfficerGardham joins Companion Life Insurance... Life Insurance: Eliot Spitzer Goes After Unethical Life Insurance and Annuity Companies The NY Attorney General is investigating fraud in the insurance industry... Life Insurance: FBL Financial Announces New Board Member Kim Robak will join the FBL Financial Board of Directors... Life Insurance: Principal Financial Announces New Vice President Principal has a new VP... Life Insurance: Congress Protects Military During Life Insurance Sales NAIFA commends steps taken to protect military... Life Insurance: Senate Panel To Hold Second Insurance Regulation Hearing Life insurance regulations will go to a second Senate hearing... Life Insurance: TIAA-CREF Partners with McCamish McCamish's support system to help TIAA-CREF... Insurance Agents: Updated System Will Help Insurers Underwrite and Process Policies NaviSys Updates Administration System... Life Insurance: Senate Panel Divided On Insurance Regulation The recent Senate discussions regarding life insurance regulations seem to be stalling... Whole Life Insurance from Illinois Mutual Enhanced with a New Rider Illinois Mutual enhances whole life insurance product... Term Life Insurance: ING Enhances Products, Lowers Prices ING gives their term life insurance products an update... Life Insurance Provider MassMutual Reaches Out to Women MassMutual wants to expand their reach to the female demographic... Life Insurance: Senate Panel Considers Insurance Regulation The US Senate is considering new regulations for life insurance... Life Insurance Companies Announce Executive Changes Protective Life, ICM and Baltimore Life announce personnel changes... Employee Benefits Agents: Company To Focus On Worksite Benefits Tools NaviTech Inc., formerly SouthCorp HR Services directs attention toward employee benefits... Life Insurance Regulators File Complaint Against Former Executive A former head of a Missouri life insurance company abused his privilages... Life Insurance Agents: Pennsylvania Lowers Policy Tax Two bills of interest to life insurance agents were signed into law by PA Gov. Rendell... Life Insurance Agents: FASB May Change COLI Valuation Rules The Financial Accounting Standards Board changes couls affect life insurers.... Life Insurance Agents: How To Get Referrals Using referrals is a great way to grow your business... Life Insurance: New York Life Fund Supports Local Causes New York Life awards $119,300 in grants to NY charities... Employee Benefits Agents: Social Justice Group To Offer Social(k) Fund Menu The Co-op America Business Network is encouraging members to choose a 401(k) plan investment option platform that includes more a socially conscious fund... Life Insurance Agents: Flexibility in Estate Planning This article contains information about irrevocable life insurance trusts... Term Life Insurance Product Launched by Old Mutual Old Mutual Financial has released a new level term life insurance plan. ... Insurance Agents: Groups Prepare For Senate Regulation Hearing Several bills before Congress may affect the life insurance and property and casualty insurance industries ... Life Insurance: Protective Life Closes On Chase Subsidiary Protective Life Corp. will acquire Chase Insurance Group from JPMorgan.... Life Insurance: Royal Bank Streamlines US Insurance Operations Life insurance provider RBC merges two US companies. ... RBC Life Insurance Announces Merger RBC merges Liberty Life Insurance Company and Business Men's Assurance Company of America ... Whole Life Insurance Product Enhanced by Illinois Mutual Illinois Mutual enhances their whole life insurance product... Insurance Agents: Highline Product Opens Better Window Into Insurer Portfolios Highline Data releases updated web-based service that helps subscribers analyze insurance company securities holdings... Financial Advisors: Swiss Re Economist Wants Fed To Be Tough On Inflation A leading insurance industry Federal Reserve Board watcher says the Fed needs to keep a close eye on prices... Life Insurance Agents: Senate Security Breach Bill Could Affect Insurers This article discusses several of the bills before the Senate that could have an affect on insurance agents.... Life Insurance Settlement Association Announces Changes to Board of Directors This article lists the new LISA board members.... Life Insurance: Transamerica Occidental Turns 100 Life insurance company Transamerica turns 100 years old. ... Life Insurance Agents: RGA Completes Triple-X Securitization Reinsurance Group of America Inc. has used a special subsidiary to raise $850 million in capital... Term Life Insuance Policies Updated by ReliStar ReliaStar Updates Term Products... Variable Universal Life Insurance Available from TIAA-CREF TIAA-CREF Unveils VUL Policy ... Life Insurance Settlement Association Chooses Officers LISA selects new officers. ... Life Insurance Agents: Universal Life Gains Popularity Over Variable Life Insurance Variable life insurance's loss is universal life insurance's gain. ... Life Insurance Agents: Economist Expects Yield Curve To Stay Flat Swiss Reinsurance Company expects federal fund rates to increase.... Life Insurance: ING Announces New Term Life Product ING unveils financial institution term life insurance product. ... Life Insurance Agents: Clinton to Speak at LIMRA Meeting Former president Bill Clinton will speak at the Life Insurance and Market Research Association meeting in New York.... Universal Life Insurance Policy Available from Nationwide Nationwide Financial Services has released a new universal life insurance policy.... Survivor Benefit Survivor Benefit | Life Insurance Glossary There are several features that characterize almost all life insurance policies. The two most common are periodic payments, or premiums, paid by the polic... Surrender Value Value of a policy that pays out for any reason apart from the death of the insurant.... Substandard Rate Generally, the highest-risk category in life insurance.... Standard Rate Most common life insurance risk-rating category.... Viatical Settlement Agreement to sell a personal life insurance policy due to medical illness.... Second to Die A joint insurance policy where the death benefit is paid after both policyholders die.... Saving Age Process making the age of issue earlier than the application age.... Return of Premium When the insurance company repays the policyholder from some, or all, premium payments.... Risk In life insurance, the chances that the insurant dies while covered.... Revocable Beneficiary A changeable beneficiary of a life insurance policy.... Reinstatement Period Time where the policyholder can pay back premiums to retain full coverage.... Reinstatement Restoration of a life insurance policy to full coverage.... Preferred Plus Rate Usually, the highest rating for life insurance applicants.... Reduced Paid-Up Option Nonforfeiture option guaranteeing a certain payout if a life insurance policy lapses.... Policyholder The owner of a life insurance policy.... Policy Owner Person(s) paying life insurance premiums and with the authority to make changes to the policy.... Policy Date The date the life insurance policy is issued. Also called the effective date.... Policy Anniversary Annual recurrence of the date the policy was issued. Also called the anniversary date.... Permanent Life Insurance Life insurance that covers an individual throughout his or her life. More commonly referred to as whole life insurance.... Paid-Up Life Insurance Paid-Up Life Insurance | Life Insurance Glossary Life insurance requiring no future premium payments but still providing coverage. When a life insurance policy requires no future premium payme... Paid-Up Additions Additional life insurance purchased with policy dividends.... Limited Payment Life Insurance Life insurance providing full coverage after a predetermined number of premium payments are made.... Life Settlement Agreement to sell a personal life insurance policy.... Dividend Additions Insurance purchased with policy dividends.... Cash Surrender Value Value of a policy that pays out for any reason apart from the death of the insurant. Sometimes the premiums associated with whole life plans exceed the cost of insurance itself. When this occurs, t... Life Insurance Agents: Groups Schedule Critical Illness Event A critical illness event will focus on underwriting, marketing and reinsurance.... Life Insurance: Jackson National Starts Community Investment Program Jackson National Life Insurance will donate $2 million to community organizations in CA, CO, IL and MI.... Life Insurance: Minnesota Life Opens 4 Offices Minnesota Life opens offices in Illinois, California, West Virginia and New York.... Life Insurance Agents: Iuppa Defends SVO Hybrid Securities Decision Life insurance agents will want to find out how this securities decision will affect their ability to calculate risk.... Life Insurance Executives Back Reinsurance Regulatory Uniformity Measure Executives from major life insurance companies come out in support of pending life insurance legislation.... Life Insurance Agents: House To Get Federal Regulation Bill Insurance regulation legislation hits the House.... Life Insurance Agents: House Approves $5 Million Estate Tax Exemption The US House has approved a bill that will raise the estate tax exemption to $5 million per person.... Mortality Rate The rate of death among a particular group of people.... Mortality Charge The cost of insuring a person at a given age.... Non-Participating A life insurance policy that does not have a dividend option.... Nonforfeiture The amount the insurance company is required to pay if the policy is canceled.... Morbidity Table Graphical representation of the frequency of illness and injury among a group of people.... Morbidity Rate The frequency of illness and injury in a group.... Morbidity Sickness or injury of an individual or a group. Used in the life insurance underwriting process.... Life Insurance Glossary | N Life insurance glossary provided by MostChoice.com. Includes entries for nonparticipating policy, nonforfeiture, and more.... Life Insurance Glossary | M Read definitions of morbity, mortality table, and more.... Irrevocable Beneficiary The permanent beneficiary of a life insurance policy.... Irrevocable Assignment Permanently signing over a life insurance policy to someone else.... Guaranteed Insurability Policy provision allowing insurant to buy additional coverage without evidence of insurability.... Living Benefit Policy provision allowing policy owner to collect on a life insurance policy before death. Also called accelerated death benefit.... Guaranteed Life Insurance Life insurance that does not require a medical examination or medical questionnaire.... Insurability The capacity for an individual to successfully qualify for a life insurance policy.... Guaranteed Issue Simplest form of underwriting, requiring no medical history or examination. Also refers to the insurance purchased in this way.... Guaranteed Cost Policy Life insurance that does not pay dividends.... First to Die There are two basic types of joint life insurance policies, depending on when the death benefit is paid. The most common type is a first-to-die design in which the insurance companies pays after one o... Financial Rating Evaluation of the financial stability of a life insurance company.... Face Value The payout of a life insurance policy.... Effective Date The date the life insurance policy is issued. Also called the policy date.... Evidence of Insurability (EOI) The process to establish the health of a life insurance applicant.... Debit System System where agents personally collect premium payments.... Credit Life Term-life insurance policy that is used to pay off a specific debt, such as a car or house.... Cost of Insurance Refers either to the value of a life insurance policy or the actual amount needed to insure an individual or group.... Churn When an agent uses the cash value of one policy to buy a new policy when it does not benefit the policyholder.... Broker Life insurance professional representing policyholders and not the insurance company.... Certificate Evidence of insurance provided to group life insurance members.... Backdating Process making the age of issue earlier than the application age.... Actuary Statistician that assesses financial risks and develops plans to minimize those risks for businesses and other organizations.... Automatic Premium Loan Policy provision that allows the insurer to use a policy�s cash value to pay premiums.... Annuitant Person who receives income from an annuity.... Anniversary Date Annual recurrence of the date the policy was issued. Also called the policy anniversary.... Accidental Death When a life insurance policy pays twice the death benefit when the insurant dies from an accident. Also double indemnity.... Insurance Agents: Goal Setting Advice to Improve Sales This article provides advice for insurance agents on how to set successful goals.... GenDex Equity-Indexed Universal Life Insurance Policy Available Through Allianz Allainz offers a 20-year return-of-premium guarantee in their universal life insurance product.... Life Insurance: VantisLife Signs Digital Federal VantisLife will sell life insurance to memebers of Digital Federal Credit Union.... Life Insurance Foundation Names Scott Hamilton as Spokesperson Olympic figure skater Scott Hamilton will promote the values of life insurance. ... Life Insurance Provider MetLife Launches New Ad Campaign MetLife to begin new branding campign.... Life Insurance Agents: Feds Ease Fund Of Funds Limits New federal regulation should help life insurers that run lifecycle funds.... Life Insurance: Anti-Trust Exemption or Federal Regulations? Many insurance companies are in favor of eliminating the anti-trust exemption and reforming federal regulations.... Life Insurance Regulations Supported by American Council of Life Insurers The ACLI is lobbying Congress to pass uniform life insurance regulations.... Life Insurance: Have You Considered Bank-Owned Life Insurance? Sun Life Financial to market a small bank-owned life insurance (BOLI)product.... Life Insurance Concerns Before Congressional Subcommittee A House panel is considering uniform regulations for life insurance surplus lines and reinsurance.... Prudential Financial Releases Products Aimed at Assisting Life Insurance Agents Prudential Financial has released a CD with information for life insurance agents.... Jackson National Life Insurance Company to Rebrand Their Products Life insurance company Jackson National to rebrand their retirement products.... MassMutual Life Insurance Announces Executive Moves Massachusetts Mutual Life announces their selections for CFO and executive vice president.... Life and Health Insurance Companies Do the Executive Shuffle New York Life, Securian and Principal are among the insurance providers announcing executive moves.... Disability and Life Insurance From ING Reorganized Disability insurance and life insurance from ING consolidated for reinsurance purposes.... Life Insurance Provider Phoenix Companies Inc. Reveals New Logo Not surprisingly, Phoenix Companies, providers of life insurance, has chosen a phoenix as their logo.... Life Insurance Bill Proposed to Protect Military Personnel A bill being proposed in Congress has provisions to protect military personnel from unfair and/or deceptive sales tactics.... Liberty Mutual Exec is the Highest Paid CEO in Massachusetts Edmund Kelly of Liberty Mutual had the highest earnings of any CEO in MA in 2005.... Life Insurance Living Benefit Riders Available from MetLife, American National and AmerUS Group Three life insurance providers have announced living benefit riders for their policyholders.... Life Insurance Agents: Principle-Based Reserving Advances The National Association of Insurance Commissioners will endorse a new group to look into principle-based reserving.... Life Insurance Agents: Treasury Notes Insurance Tax Breaks in NAIC Meeting The National Association of Insurance Commissioners are considering taxing gains inside life insurance policies.... Guardian Life Insurance Company Announces New Benefit Rider The Enhanced Accelerated Benefit Rider from Guardian Life will be avilable for life insurance products in 42 states.... Allianz Announces New Universal Life Insurance Policy A new equity indexed universal life insurance policy is available from Allianz.... Life Insurance Settlements: What Do Consumer Advocates Think? Some consumer advocates think the sale of life settlements will strengthen the life insurance market.... Life and Health Insurance Industries Wants to Streamline Agent Exams A study finds that agent examinations are not uniform throughout insurance industries.... Life Insurance: Can You Cancel Your Group Life Benefit? In most cases you will have to wait until the next enrollment period to make changes to your employer sponsored benefits like life insurance.... Universal Life Insurance Advice This article contains advice on understanding and finding a universal life insurance policy.... Life Insurance Statement of Best Practices from the Life Insurance Finance Association The Life Insurance Finance Association has come up with a list of good business practices concerning life insurance.... Life Insurance Fraud: Grand Jury Indicts Two Elderly Women A grand jury returned an indictment on the two CA women accused of life insurance fraud. The women are pleading not guilty.... Life Insurance Calculator Determines Proper Coverage for Moms The Value of All You Do calculates the financial contribution of mothers.... Life Insurance: CA Women Target Blind Hungarian Man A California man may have been the next victim in a string of life insurance crimes perpetrated by two older women.... Life Insurance and Annuities: Meet the Oklahoma Insurance Commissioner Life insurance, annuities and the reduction of fraud are some of the key issues OK's Insurance Commissioner Kim Holland wants to work on.... Whole Life Insurance Permanent life insurance. Has an accompanying cash value that provides financial protection separate from the death benefit.... Waiver of Premium One of the most common life insurance riders, this provision allows the insurant to waive the payment premiums while he or she is disabled and not working.... Variable Life Insurance Whole, or permanent, life insurance offering flexible options in building up the cash value of the policy.... Vanishing Premium Scenario, based on insurer projections, where the policy owner will not have to directly pay for all premiums as the policy matures.... Universal Life Insurance Life insurance policy that offers flexible benefits and premium payments.... Underwriting The process life insurance companies use to decide whom they will insure.... Term Life Insurance Temporary life insurance that pays out if the insurant dies before the term of the policy ends.... Surrender Charge The charge applied when a policy is cancelled prematurely.... Suicide Clause A part of life insurance policies, the suicide clause reduces or eliminates the death benefit if the insurant commits suicide. Typically expires in two years.... Single Premium Life Insurance Life insurance requiring a single payment.... Settlement Option The method by which death benefits are distributed. Also called payout method.... Risk Factor Facets of a person�s life that affects life insurance prices and coverage options.... Rider A legal document amending an insurance policy.... ROP Policies Type of life insurance that pays back premiums to the insured if they live past the expiration date of the policy.... Renewable Term Temporary life insurance policy that has an option to re-up before it expires.... Rating Class The classification assigned by insurers to applicants based on a variety of health risk factors.... Premium Money paid on a regular basis to a life insurance company for life insurance coverage.... Preferred Rate Life insurance rate for those with a healthier medical background.... Payout Method The way that survivors are paid under a life insurance policy. Also called the settlement option.... Participating Policy Life insurance plans that allow for the payment of dividends in addition to the death benefit.... Paid-Up Insurance Insurance that provides full coverage without any additional premiums.... Low Value Policy An insurance policy with a small death benefit and a high premium.... Living Need Living Need | Life Insurance Glossary When a person becomes terminally ill, he or she may be able to collect death benefits early from his or her life insurance company under a provision called a l... Liquidation Similar to bankruptcy, when the state takes control of a failing insurance company�s assets in order to compensate people insured by the company.... Level Term Temporary life insurance with the same premium over the life of the policy.... Level Premium Whole life insurance in which the premium remains the same for the life of the policy.... Lapse Termination of a life insurance, usually due to failure to pay policy premiums.... Industrial Life Insurance A typically, low-value life insurance plan that requires agents to collect premium payments directly from the policyholder. Also known as small benefit insurance, burial insurance, or street insurance... Increasing Term Temporary, or term, life insurance in which the premiums and death benefit increases over time.... Illustration A sales tool used to show the potential advantages of a particular life insurance policy.... Guaranteed Rate The amount of money an insurance company promises to pay based on the cash value of a whole life insurance policy.... Guaranteed Life Insurance Low-face value life insurance requiring little in the way of medical records or personal information. Also called guaranteed issue.... Group Life Life insurance bought as a group where individuals receive certificates instead of personal policies.... Grace Period The time life insurance coverage remains in force, without interest or penalty, from the premium due date.... Endowment Life insurance that sets a specified time when the cash value of the policy will equal the death benefit. Payable during a person�s lifetime.... Life Insurance Glossary | E "E" terms from the MostChoice.com life insurance glossary.... Face Amount The amount an insurance company pays upon the death of the insurant or upon the maturity of the policy.... Free Look Trial-period during which a policyholder can cancel a life insurance policy without penalty.... Family History History of health problems in family.... Double Indemnity When a life insurance policy pays twice the amount for a specific cause or circumstance, the most common being accidental death.... Dividends In life insurance, money given to the policyholder by the insurance company due to premium payments exceeding actual insurance costs. Insurance must be �participating� to include dividend provisions.... Decreasing Term Term, or temporary, life insurance that loses its face value over the life of the policy.... Debit Policy Life insurance with a low face value. Also called Industrial Life Insurance.... Death Benefit The amount of money payable upon the death of the person who is insured under a life insurance policy.... Convertible Term Life Insurance Term, or temporary, life insurance that can be changed to a permanent, or whole, life insurance policy.... Conversion Feature of some term life insurance where the policyholder can change � �convert� � the policy to a permanent, or whole, life insurance policy.... Contestable Period The amount of time an insurance company has before it can void a life insurance policy.... Cash Value The amount of money a life insurance policyholder can receive if he or she cancels, or �cashes in� the policy. It also refers to the amount of equity built up in a life insurance product that can be u... Burial Policy Life insurance policy designed to help cover funereal expenses. Today burial insurance is often classified as a type of industrial insurance.... Beneficiary The person or persons designated by a life insurance policy to receive benefits upon the death of the insured.... Annuity Long-term savings plan. Benefits are usually paid out after retirement and in monthly payments.... Agent (Life Insurance Agent) An insurance professional representing insurance companies and state-licensed to sell life insurance to consumers. ... Accelerated Death Benefit (ADB) An early life insurance payoff that may occur if the insured person is terminally ill and in need of money to cover medical expenses. Also called �living benefit� or �living need.�... Life Insurance Glossary | W MostChoice.com online life insurance glossary. Definitions for whole life insurance, waiver of premium, and more.... Life Insurance Glossary | V Find out about vanishing premiums, variable life, and other life insurance �V� terms from the MostChoice.com online life insurance glossary.... Life Insurance Glossary | U The following terms and phrases are often used in the life insurance industry. Includes definitions for underwriting, face value, cash value, and more.... Life Insurance Glossary | T Life insurance glossary provided by MostChoice.com. Includes entries for term life, level term, and more.... Life Insurance Glossary | S Find out definitions of commonly used life insurance terms such as single premium life insurance and surrender charge.... Life Insurance Glossary | R Life insurance glossary provided by MostChoice.com. Includes entries for renewable term, rider, return of premium, and more.... Life Insurance Glossary | P Explore the MostChoice.com online life insurance glossary and learn more about participating policies, preferred rate, and more.... Life Insurance Glossary | L Reading the following term and phrase definition should help increase your understanding of life insurance and the insurance industry.... Life Insurance Glossary | I Read definitions of Industrial life insurance, increasing term, and more.... Life Insurance Glossary | G Learn about group life insurance, grace periods, and other �G� life insurance terms.... Life Insurance Glossary | F "F" entries from the MostChoice.com life insurance glossary.... Life Insurance Glossary | D "D" terms from the MostChoice.com life insurance glossary.... Life Insurance Glossary | B Life insurance terms, including definitions beneficiary and burial policy. Provided by MostChoice.com.... Life Insurance Glossary | A Life insurance terms, including definitions for agents, annuity, and more. Provided by MostChoice.com.... Life Insurance Glossary Life Insurance Glossary powered by MostChoice.com.... Life Insurance Agents: What Do Consumers Want? Life insurance panel says more attention should be paid to the needs of average Americans.... Life Insurance Provider Prudential Calculates Mom's Financial Worth Mom's contribution to the family is substantial when broken down into dollars and cents.... AIG Donates to Indonesian Earthquake Relief Fund Life insurance provider AIG donates $1 million to disaster relief for Indonesia.... Financial Advisor Group Formed to Address Needs of Insurance Agents and Investment Brokers A new group called the Wealth Advisor Institute will be made up of advisors who work in the life insurance and investment fields. ... Universal Life Insurance: Principal Announces New ULI Product A new universal life insurance product is available from Principal Financial.... Group Life Insurance Products Pushed by MassMutual MassMutual wants its agents to sell group life as well as other insurance products. ... Life Insurance: Prudential Financial to Cut Rates for Breast Cancer Survivors Prudential will be cutting rates on some life insurance products for women who have survived breast cancer.... Life Insurance: American Republic Takes Over Kansas City Life American Republic will take over marketing for Kansas City Life's whole and universal life products.... Life Insurance Agents: Reinsurance Assumed Falls 51% Sales of reinsurance for life policies is down.... Life Insurance: Can NAIC Pull Off a National Review Board? The National Association of Insurance Commissioners wants a dual-system to approve new LTC, disability, life insurance and annuity products more swiftly.... Supplemental Group Life Insurance Available from Colonial Supplemental Insurance Employees can purchase extra life insurance to supplement their existing policies.... Life Insurance: California Women Accused of Killing Homeless for Life Insurance Settlements Two elderly women in CA have been arested for allegedly taking out life insurance policies on homeless men and subsequently murdering them.... Life Insurance: American Council of Life Insurers Curious About How Regulations Will Be Implemented The American Council of Life Insurers wants to know how the National Association of Insurance Commissioners will address life insurance regulations.... California Life Insurance: State to Update Regulations on Sale of Viaticals California may take steps to regulate the sale of life insurance settlements for the terminally ill called viaticals.... New York Life Insurance Announces Executive Appointment George Nichols III will head New York Life's Government Affairs office.... Life Insurance: The Hartford Wants to Increase Life Insurance Sales Interested in selling life insurance? Consider The Hartford.... AIG Introduces New Critical Care Life Insurance This article from Senior Market Advisor details a new life insurance product with critical illness features from American General Life Insurance.... Coventry Announces Financing for Existing Life Insurance Policies This article from Senior Market Advisor discusses a new financing option available on Coventry Capitol's life insurance policies.... Life Insurance: Who Needs How Much? Do you know if life insurance is a good choice for you? How much do you need?... Life Insurance: Laci Peterson's Mother Wins Her Daughter's Settlement Money Scott Peterson battled Sharon Rocha over Laci Peterson's life insurance policy settlement.... Life Insurance Awareness Month Will Be Held in September Life insurance is an imprtant part of retirement planning.... Life Settlements: Bringing New Options to Life Insurance This article from the National Ethics Bureau describes life insurance settlements, how they are regulated and who is suited for them.... Guardian Life Insurance Partners with the National Organization of Women Business Owners This article from Benefits Selling Magazine describes a new business relationship between Guardian Life Insurance and the NAWBO.... Life Insurance: What to Do With Your Death Benefit There are options for your death benefit if you want to sell your life insurance policy.... New York Life Adds New Chairmen to the Board Mathas, Hildebrand and Wendlandt are the new names on the New York Life board of directors. ... Whole Life Insurance: Is Permanent Life for You? Whole or universal life insurance is not right for everyone, find out if it is a match for your situation.... California Life Insurance: Two Elderly LA Women Accused of Life Insurance Fraud Two women in their 70s have been accused of life insurance fraud to the tune of $2 million.... Minnesota Group Life Insurance Company Experiences Revenue Growth Minnesota Group Life Insurance has had steady growth over the past eight years.... Estate Planning: Make Sure Your Beneficiary Information is in Order Make sure your benefciary matches on all of your retirement accounts.... Life Insurance: Sagicor Life Insurance Company Opens Headquarters in Arizona Caribbean-based Sagicor Life Insurance buys out American Founders to open HQ in AZ.... Indiana Life Insurance: One Town Provides Free Life Insurance to Military Personnel Anderson, Indiana will give city employees who serve oversees one year of free life insurance.... Life Insurance: Should Older Seniors Consider Dropping Policies? A 78-year-old man weighs the pros and cons of his life insurance policy.... Universal Life Insurance May Be a Good Choice for Young Families One financial expert recommends universal life insurance over whole or term life.... Group Life Insurance Product Available Through Aetna Aetna is offering a new group life insurance policy with benefits that can be taken advantage of while the policyholder is still living.... Insurance Advice for Different Products and Different Life Stages This articles contains advice for life, health, home, auto, disability and long-term care insurance based on your life stage.... Life Insurance: Should You Purchase Through a Group Plan? Don't rely solely on your group life insurance policy through your employer.... Allianz Life Insurance Selects Infravio as its Record Keeping System Allianz Life Insurance chooses Infravio to maintain records for the company.... Life Insurance Schemes May Be Trouble Don't try to pull one over on your life insurance company.... Life Insurance Revenue Up in First Quarter at National Western Life Insurance National Western Life Insurance reports experiencing a healthy first fiscal quarter.... Life Insurance Policies Awarded by MassMutual to Needy Families Massachusetts Mutual Life has awarded 50,000 free life insurance policies.... Life Insurance Policies Awarded by MassMutual to Needy Families Massachusetts Mutual Life has awarded 50,000 free life insurance policies.... Life Insurance: New Term Life Policy from Protective Life Insurance Company Two new life insurance products have been released by Protective Life Insurance Company.... Prudential Life Insurance Names Kent Sluyter as Chief Actuary Kent Sluyter has been appointed as the Chief Actuary for Prudential.... Prudential Life Insurance Delays Payment to New Jersey Man An 88-year old NJ man waited more than nine months for his life insurance claim to be approved by Prudential Financial.... Term Life Insurance at Record Low Rates Comparison shopping and longer life spans have brought down the cost of term life insurance.... Life Insurance Claims Can Be Denied Within Two Years of Buying a Policy If a policyholder dies less than two years after opening a life insurance policy, the company may not have to pay.... Life Insurance That Helps With Estate Planning A new life insurance product from Lincoln Benefit Life helps policyholders plan for estate taxes.... Life Insurance: Avoid Estate Taxes on Your Life Insurance Policy's Death Benefit Learn how to spare your loved ones from the estate tax on your life insurance policy.... Life Insurance: Penn Mutual Adds New Rider to Variable Life Insurance Policy New benefit on Penn Mutual's life insurance policy would allow policyholders guaranteed retirement income.... Term Life Insurance Versus Whole Life Insurance This article discusses which type of life insurance, term life or whole life, is the better choice for people in different life stages. ... Life Insurance: Van Wyk New CIO for IT at ING Financial Steve Van Wyk will head the IT department at ING Financial... Life Insurance Quotes Online Save Time Using an online site to find life insurance quotes can cut down on the time you spend researching on your own.... Term Life Insurance: Purchase While Young and Healthy Investing in a term life insurance policy while you are younger will costs you less than waiting till you are nearer to retirement and will provide peace of mind that your family will be taken care of... Life Insurance and Disability Insurance: Financial Advisors Offer Advice Three experts financial advisors discuss the ins and outs of life insurance and disability insurance.... Life Insurance Advice to Choose the Right Amount and the Right Policy This article offers advice on choosing how much life insurance you need to cover your survivors in a variety of situations. It also discusses term life versus whole life.... Life Insurance: MetLife Credits Survivor Benefit Income Calculator for Boosting Sales MetLife's Guaranteed Survivor Income Benefit calculator is a web tool designed to help consumers determine how much life insurance to purchase. ... Life Insurance: Prudential Financial Partners with ClubMom.com to Reach Out to Mothers and Families Prudential Financial will be the exclusive proveder of life insurance for ClubMom.com as well as educating parents and advertising on the site.... Life Insurance: New CFO for Ft. Dearborn Life Paul Gauthier has been appointed Chief Financial Officer for Fort Dearborn Life Insurance Company.... Life Insurance Policies Include Terrorism Related Riders Iraqi company sells life insurance policies which cover acts of terrorism.... Fort Dearborn Life Insurance Announces New Director Gary Casement named director of claims for group operations at Fort Dearborn Life.... Retirement Savings Accounts Have Higher Insurance Limits Financial planning includes insuring your retirement savings.... Missouri Health Insurance: Government Employees Eligible for Supplemental Insurance Products in MO Missouri workers at the state, county and city levels can purchase additional insurance for eye, dental, disability, cancer and critical illness insurance.... Life Insurance, Home Insurance and Auto Insurance Money Savers This article offers tips on how to save money on life, auto and home insurance products.... Life Insurance Expert Aflac Inc. Wins Shareholder-Friendly Award Institutional Investor Magazine names Aflac Inc. the top shareholder-friendly life insurance company.... Life Insurance Company - Research with AM Best and Others Research life insurance companies with a resource like A.M. Best before deciding which one to buy a policy from.... Term Life Insurance Coverage For Families and More This article covers the basic benefits to purchasing term life insurance.... Universal Life Insurance Options Universal life insurance offers flexibility with minimum interest on cash value and guaranteed no-lapse options.... Life Insurance Policies Foreign Travel Restrictions: Unfair to Consumers? Sen. Shaffer od Colorado has issued a proposal to make it illegal for life insurers in the state to deny coverage or increase the rates of those who travel to countires the U.S. classifies as dangerou... Term Life Insurance for Young Working Families This article discusses the benefits of purchasing a term life insurance policy at a relatively young age.... Life Insurance Pitfalls to Avoid This article contains four suggestions regarding what not to do when purchasing a life insurance policy.... Spousal Life Insurance Can Protect the Contributions of a Stay-At-Home Spouse While stay-at-home parents may not bring in tangible cash contributions to the family income, their absence would result in additional expenses that can reach six figures. Spousal life insurance can p... Life Insurance: Learn What Factors Influence Your Life Insurance Premiums Three factors influence life insurance premiums: mortality charges, sales and administration expenses and savings options.... Life Insurance Plans at a Glance Twelve term life insurance plans are offered for side-by-side comparisons to help you choose the appropriate life insurance policy for your lifestyle.... Life Insurance and Long-Term Care Insurance Combo Introduced by New York Life New York Life Insurance and Annuity Corporation introduces a new life insurance product that allows the death benefit to be used for long-term care needs. ... Floridia Health Insurance Worries Seniors A recent survey shows that wealthy Floridians are concerned over their financial future and believe that a significant portion of their savings will go to health care.... Life Insurance: Estate Planning Should Be on Your To-Do List This article offers great advice on getting your financial and personal effects in order for your beneficiaries no matter what size your estate is or how old you are.... Georgia Auto and Health Insurance Consumers Recieve $15 Million Thanks to Oxendine The Georgia Insurance Commissioner's office helped to tretrieve over $15 million in insurance claims for Georgia consumers in 2005.... Life Insurance Index Overview of Life Insurance Resources... Mortgage Life Insurance Pros and Cons Three financial advisors discuss whether or not mortgage life insurance is a good choice. Most recommend term life insurance over mortgage life if possible.... Interpretation of Descriptive Clause Items As used in this Trust Agreement, the masculine, feminine or neuter gender, and the singular or plural number shall each be deemed to include the others whenever the context so indicates.... Term Life Insurance Rates Term Life Insurance Rates have been going down for the past 20 years. As people live longer, term life insurance becomes less and less expensive. Term Life Insurance comes in the following forms: ... Conditions of Severability Conditions of Severability If any part, clause, provision, or condition of this Trust Agreement is held to be void, invalid, or ... Construction of the Life Insurance Trust This trust shall be construed in accordance with the laws of the State of [state]... Life Insurance - Ward Trust Ward Trust If any share of the trust property is otherwise provided to be distributed to a person who has not attained the age of [e... Spendthrift Provision Spendthrift Provision Except as to the Trustor's interest in any trust created in this Agreement over which the Trustor has reta... Powers of the Trustee Over the Execution of the Trust Execution of Trust Management of Securities-To exercise, respecting securities held in the trust estate, all the rights, powers, and privileges of an owner, including, but not limited to, the pow... Powers of the Trustee Over Non-Physical Property Non-Physical Properties Investments-To invest and reinvest in every kind of property, real, personal or mixed, and every kind of investment, specifically including, but not by way of limitation, ... Powers of the Trustee Over Physical Property Physical Property Retain Assets-To continue to hold any and all property received by the Trustee or subsequently added to the trust estate or acquired pursuant to proper authority if and as long ... Powers of the Life Insurance Trustee Powers of Trustee All powers given to the Trustee by this Trust Agreement are exercisable by the Trustee only in a fiduciary cap... Compensation of Life Insurance Trustee Compensation of Life InsuranceTrustee All corporate fiduciaries and individuals who are not related by blood, adoption or marria... Duties of Life Insurance Trustee Duties of Trustee The Trustee shall determine what is income and what is principal of each trust created under this Trust Agreem... General Administrative Provisions General Administrative Provisions The Trustee, in exercising the Trustee's discretionary authority with respect to the payment o... |
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