Along with resolutions and high hopes, the new year also brings many insurance carriers promoting changes to their whole life insurance product portfolios. These revisions are due to adaptations in the IRC Section 7702 regulations. Prolonged low interest rates also continue to factor into product refreshes, revamps and adjustments. It may be overwhelming to sift through the fine print of the new products, but as you begin to evaluate them, keep these top five considerations in mind:

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By: Wade D. Pfau, Ph.D., CFA, and Michael Finke, Ph.D., CFP®

All retirees must plan today for the possibility that they will experience significant long-term care health expenditures. Large unplanned expenses, such as those relating to long-term care, have the potential to wreak havoc on a retirement income plan.

At the start of 2019, the OneAmerica® forecast on these pages was one of optimism, even though several factors—market uncertainty and the regulatory landscape among them—could bring headwinds to our industry. 

Halfway through the year, our tone hasn’t changed. Especially for the asset-based long term care (ABLTC) market, what we’re seeing is “more of a good thing.”

October 11 is National Coming Out Day, where members of the LGBTQ community are encouraged to live their lives as their true selves.  However, The LGBTQ community is often under-served in terms of healthcare, insurance and financial services.  This Market Opportunity to can help explain the fact that regardless of sexual orientation, American couples have similar concerns about their finances and their future.

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Growing economic impact

The buying power of lesbian, gay, bisexual and transgender (LGBT) adults has reached $917 billion, reflecting tremendous economic impact. And
households run by same-sex couples tend to have a higher income and higher education level than opposite-sex couples, according to the U.S. Census Bureau.

An annual annuity review makes smart business sense for you and your clients! The reasons your clients originally purchased an annuity may have changed over time, so it’s important to make sure the type of annuity held matches the intended use.