Managing the Effect of Low Interest Rates: The Power of Policy Review


The policy review process is seldom simple. As a life insurance broker, I can attest to the complexity of monitoring policies as the marketplace changes. Low interest rates have bedeviled the life insurance industry for years now. But I’ve noticed a trend which may interfere with clients’ ability to pay their premiums if not accounted for… [Read More]

Not Overlooking While Underwriting

Not Overlooking While Underwriting

We generally do not get healthier as we age, but if the insurance ground rules change, there may be an opportunity to improve the score. Factors that were once an automatic decline for life insurance coverage are now being underwritten by certain insurance companies. Up until recently, the HIV virus was a definite disqualifier for… [Read More]

A Chronic Problem

money and time

Some years ago, a small change to the tax code was enacted which broadened the scope of what life insurance benefits could cover. The innovation of this marketplace has given rise to various Long Term Care (LTC) riders which can now be included in a life insurance policy. However, there is a grey-area for this… [Read More]

Overweight with Regulations – MetLife’s Looming Split Signals for Mergers

Health Insurer Merger Mania

Last week, MetLife made an announcement that surely knocked Woodstock off his perch on Snoopy’s doghouse. And it probably has many MetLife life insurance policyholders questioning the future stewardship of their policy. The carrier stated that plans are under consideration for the sale or spinoff of their individual life insurance business. When buying a policy that… [Read More]

What Happens If You Live Too Long? Longevity Annuities Are the New Tool in Long-Term Planning

Annuities- coins

When my New York Mets were playing the Chicago Cubs for the National League pennant last month, I was reminded every day that the Cubs were predicted to win the World Series in 2015 according to Back to the Future. Coincidentally, I started my career 30 years ago by advising clients on how to pay… [Read More]

Beyond the Obvious Policy: Creating a Financial Advantage through Life Insurance

Fun Facts about the Public Healthcare Exchanges

This month is the 12th anniversary of the industry advocacy campaign known as Life Insurance Awareness Month. There are plenty of good reasons to have a life insurance policy in place – and many employers and employees likely already know, and understand, these. But while many recognize the value of life insurance, I’ve seen many… [Read More]

Life Insurance Jumps on the Wellness Bandwagon

Wellness - Tomato Tapemeasure

If you have employer-provided health insurance, there’s a strong likelihood that some type of wellness program is offered alongside it – have you had your servings of fruits and veggies today? 2015 may wind up being known as the year of the crossover – John Hancock Life Insurance Company has jumped fully into wellness, applying… [Read More]

I Need Coverage Now!

hospital, coverage, healthcare, health insurance

The landscape in which I advise clients is navigated by means of medical and financial underwriting.  Carriers assess the mortality or morbidity risk (sometimes both) of each client on an individual basis.  This typically involves the submission of a medical exam as well as relevant records obtained from any physicians consulted.  The underwriters will also… [Read More]

When More Income is the Outcome


For many years, we have been living in the era of low interest rates. While this environment has consequences for all of us, retirees and their advisors are particularly feeling the impact. Projections and assumptions that many pre-retirees incorporated into their planning have been ratcheted down as rates declined and remained low. Many Americans are… [Read More]

The Other NRA


Have you heard about the Foreign Account Tax Compliance Act (FATCA)? Better yet, have you considered how it could affect you? If not, to catch you up: this tax law is the IRS response in the aftermath of the historic Swiss bank settlement and it’s a punch to come down hard on tax evasion. As… [Read More]