March 2010, Volume 3, Issue 13 |
Exploring the life settlement option for clients |
Feature: Regulator group moves to reign in secondary market for annuities
By Trevor Thomas - Life settlement professionals and life insurers are clashing over a model state regulation that would let deferred annuity carriers terminate a living or death benefit if a policy owner sells the annuity in the secondary market. The Interstate Insurance Product Regulation Commission approved the standard in February. In hearings, settlement firms and life insurance carriers jousted about whether the rule would hurt or benefit consumers. Some argue that…
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Ask the expert: Do conversion options help attract better settlement offers?
Question: Generally speaking, will a $1 million 20-year level term policy attract a better settlement offer if it has a conversion option for the full term period versus no conversion option or a very limited conversion option?
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Quiz question: Older age underwriting
In older age underwriting, a cognitive test performed on a client can help with which one of the following determinations:
a) Signal whether the client has heart disease
b) Detect whether the client has dementia
c) Identify the client's intelligence quotient
d) Disclose a client's financial status
e) None of the above
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