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Introduction to Financial Services: Insurance
Society of Financial Service Professionals | February 07, 2023This In Focus provides a summary of the insurance market and regulatory system in the United States.Market StructureInsurance companies constitute a major segment of the U.S. financial services industry. The insurance industry is often separated into two parts: life and health insurance, which also includes annuity products; and property and casualty insurance, which includes most......
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Long-Term Care Insurance: Overview
Society of Financial Service Professionals | February 07, 2023Long-term care insurance (LTCI) is a type of insurance policy designed to cover the future costs of care associated with a chronic condition or disability that requires extended or long-term care. Long-term care, often referred to as long- term services and supports (LTSS), provides hands-on assistance or supervision to individuals who have functional or cognitive......
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UNbundled, UNtied, and UNmutualized: The Road to Fiduciary
Society of Financial Service Professionals | October 11, 2023One of the biggest trends in the sale of life insurance is the increasing demand for standards of care. Should all life insurance advisors be held to a fiduciary standard? Or is a suitability standard still acceptable?...
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Navigating New Insurance Considerations for Remote Businesses
Society of Financial Service Professionals | November 16, 2023Since the pandemic, more small and mid-sized businesses have embraced the flexibility of remote work on a permanent basis. However, many of these companies have not assessed how their risks have changed and what their insurance needs are in this new environment....
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Splitting the Difference: Why Careful Structuring and Regular Monitoring of a Split-Dollar Life Insurance Plan Might Benefit Employers and Employees
Society of Financial Service Professionals | November 16, 2023Split-dollar life insurance can serve a multitude of uses. In times of a tight and competitive hiring market, employers may consider split-dollar life insurance as one of many diverse strategies to attract and retain desired employees....
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Don't Overlook Life Insurance in a Qualified Retirement Plan
Society of Financial Service Professionals | December 04, 2023Life insurance in its basic form is a death benefit to provide financial security to loved ones, those you care for or who are dependent on you — a way to instantly provide financial security. However, life insurance has evolved, taking on many forms and providing for many needs....
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