No-brainers
- Keep an existing whole life policy as a fixed-income investment. More information: Danger: Fiduciary liability ahead
- For fixed-premium policies, pay premiums annually. More information: The Cost of Fractional Premiums
- Use term riders to reduce the agent's commission and increase your policy values. More information: The Basics of Blending
- For no-lapse universal life, create your own premium schedule that takes advantage of the design of the no-lapse guarantee. More information: No-waste UL™: No-lapse UL Optimized
- Use ESPlanner to estimate your current and future life insurance needs for survivor protection. More information: How Much Life Insurance Do You Need?
- Before you buy an investment-oriented insurance product, try to weigh the benefits and costs of waiting. More information: Topics: Real options analysis
Life insurance
- No-waste UL™: No-lapse UL Optimized
- A Quick Look Back at 2011
- New York Life Illustration Is Concisely Informative
- ING Inforce Illustration Is Better Than Most But Still Lacks Some Important Details
- A Resolution for 20xx: I Will Think Ahead
- Life Insurance Guaranteed Values Are a Big Fat Idiot
- Retained Asset Accounts: Are Life Insurers Preying on Beneficiaries?
- Misattribution Still Sells Life Insurance
- What Is Suitable?
- A Gift for MetLife
- The National Life Insurance Consumer Competition
- The Power of Framing: A Term Insurance Example
- Should You Pay Your Insurance Premium?
- The Cost of Fractional Premiums
- Penn Mutual’s Amazing Overreach
- Should You Use the Comdex?
- Combination products: Are they worth a look?
- Danger: Fiduciary liability ahead
- Just say no to no cash values
- Lapse-supported pricing: Is it worth the risks?
- Life insurance planning under GRRR
- Discounted Dollars: In Compliance?
- Handout: "Understanding No-Lapse Universal Life," NAPFA/New York City Study Group, October 11, 2005.
- Rethinking buy-sell agreements after September 11
- A True Tale of Piggybacking
- "A Compelling Alternative to Mutual Funds"
- Barnes Standard
Life settlements
- What is a reasonable broker’s commission?
- Do cash values matter?
- How precise can policy valuations be?
- What is the value of an extended maturity provision?
- What is life expectancy?
- Handout: "Life Settlements - Selling A Life Insurance Policy: Advising Your Clients," NAPFA Northeast/Mid-Atlantic Virtual Study Group, October 10, 2007.
Annuities
- "Glenn Daily on Buying Annuities and Why It Might Make Sense to Wait," AnnuityDigest.com, 4/1/10
- A Quick Look Back at 2011
- Do Variable Annuity Buyers Have Bragging Rights?
- RCLA: A New Approach to Guaranteed Income for Life
- Index Annuities: Are the Critics Wrong?
- Variable Annuities and SFAS 157
- Handout: "Annuities: Beyond the Sales Pitch," 2005 Eldercare Conference, Foundation for Accounting Education, August 11, 2005, New York, New York.
- "A Compelling Alternative to Mutual Funds"
- I Bonds: A no-brainer alternative to fixed annuities?
Real options analysis
- "Glenn Daily on Buying Annuities and Why It Might Make Sense to Wait," AnnuityDigest.com, 4/1/10
- Combination products: Are they worth a look?
- Delaying Social Security benefits: A real options perspective
- Should You Convert to a Roth IRA? A Real Options Perspective
- Decision Making Under Uncertainty: A (Second) Wakeup Call for the Financial Planning Profession
- Handout: "Shortening Your To-Do List With Real Options Analysis," NAPFA/New York City Study Group, March 8, 2006.
- Beyond Puts and Calls: Option Pricing as a Powerful Tool in Decision-making