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What the numbers don't show: future cash values may not be as big as they seem. (purchasing...

Insurance companies used to be able to compare different industry policies to sell to prospective buyers. These comparisons could be misleading because assumptions were made about financial projections that cannot be guaranteed. Tips on measuring potential cash value are provided.

You've never seen an ad claiming that because a mutual fund returned 10% one year, an investment of a couple of hundred dollars a month would grow at that same rate-rewarding you with hundreds of thousands of dollars in 20 years. The federal government forbids such rosy promises, even on late-night t

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  • Offering Life Insurance to Your Employees
    • For many people, life insurance is an afterthought. Those that do apply for it are often faced with mountains of paperwork and the prospects of failing the physical exam and paying exorbitant premiums. That's why employer-sponsored life insurance can be an especially attractive benefit for prospective employees.
  • Choosing a Life Insurance Representative
    • Selecting a life insurance representative is the first step toward getting the right plan for your employees.You need to decide whether to use a life insurance agent or a broker. While agents only represent the company they work for, brokers work as independent agents and represent multiple carriers. And a ......
  • The impact of surplus distribution on the risk exposure of with profit life insurance policies including interest rate guarantees.
    • ABSTRACT This article analyzes the numerical impact of different surplus distribution mechanisms on the risk exposure of a life insurance company selling with profit life insurance policies with a cliquet-style interest rate guarantee. Three representative companies are considered, each using a different type of surplus distribution: a mechanism, where ......
  • An econometric analysis of the demand for life insurance policy loans.
    • Driving Forces of Policy Loan Demand Previous research has found several variables related to the demand for life insurance policy loans, including market interest rates (Schott, 1971; Bykerk and Thompson, 1979; Cummins, 1973), personal income (Wood, 1964; Rejda, 1966), the unemployment rate (Cummins, 1973), and costs of alternative sources of ......
  • Interest rate risk management and valuation of the surrender option in life insurance policies.
    • Introduction The economic and financial developments over the last 15 years have brought to life insurers both new opportunities and new challenges. On one hand, the uncertainty of pay-as-you-go retirement schemes generated by longer life expectancies and lower birth rates has entailed a shift of savings in the French economy ......
  • Life insurance due care.
    • Most CPAs who advise clients on business and estate planning find themselves reviewing existing or proposed life insurance coverage. It is common for CPAs to be asked for advice on transactions such as making gifts to pay life insurance premiums, placing life insurance in irrevocable trusts or using life insurance ......
  • Rev. Rul. 2003-120
    • Rev. Rul. 2003-120 ISSUE What is the amount of reserves used to calculate "required interest" under section 812(b)(2)(A) of the Internal Revenue Code? FACTS IC is a life insurance company subject to tax under Part I of subchapter L of the Internal Revenue Code ( 801-818). For purposes of determining ......

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    • There is talk of a large Fed rate cut. However, despite expectations of lower interest rates, mortgage rates aren't going down. Why is this?
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