insurance carriers

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  Premium Care: Why Specialty Insurance Carriers Make Sense

  By Marlene Y. Satter  |  April 29, 2013

  When the financial crisis hit, consumers trying to cut expenses turned to cheaper homeowner’s policies from standard carriers. However, when Hurricane Sandy arrived, some who lost homes and possessions found that economizing might have been penny wise but pound foolish.

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  How to Evaluate Lower-Priced Guaranteed Lifetime Income VAs

  By Robert Bloink, Esq., LL.M., William H. Byrnes, Esq.  |  March 19, 2013

  Asset allocation is more important than ever in newer variable annuities.

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  Devil Is in Insurance Policy Details When HNW Clients Are Sued

  By David Spencer, ACE Private Risk Services  |  December 20, 2012

  The wealthy fear being sued for some suprising reasons. Yes, insufficient liability coverage should not be one of those reasons, but you need to make sure there is coverage in three other key areas.

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  Seniors Who Discuss Medicare With Advisors Are Better Off: Survey

  By Melanie Waddell, AdvisorOne  |  October 4, 2012

  A new national survey of seniors has found that fewer than one-third of those who use an advisor say they discuss Medicare plans.

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  Supreme Court Ruling Won’t Mute Varied Health Care Concerns

  By Melanie Waddell, AdvisorOne  |  June 28, 2012

  Despite the outcome of the ruling on the Affordable Care Act, the consensus is that the nation’s health care problems will not disappear and that Washington will still have its hands full for years to come.

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  Unintended Consequences of the HIT: Eliminating Health Coverage in Small Businesses

  By William H. Byrnes, Esq., Robert Bloink, Esq., LL.M.  |  June 13, 2012

  The new health care reform legislation contains a tax that could spell the end of employer-sponsored health coverage for many small-business employees.

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  Looking for Long-Term Care Coverage? You Might Not Find It

  By William H. Byrnes, Esq., Robert Bloink, Esq., LL.M.  |  April 5, 2012

  Major insurance carriers are abandoning long-term care coverage in record numbers. Several other options exist, but a smartly crafted annuity strategy may provide the solution while offering a substantial tax break.

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  The Confusing World of Contingent Annuities

  By William H. Byrnes, Esq., Robert Bloink, Esq., LL.M.  |  October 5, 2011

  If you’ve never heard of a 'contingent annuity,' you’re not alone.

• Establishing Effective Disability Policies

  By Steve Weydert, CFP, MS  |  August 24, 2011

  Readers of “Rx for Disability” (Investment Advisor, July 2011) may come away with the mistaken impression that it is difficult for today’s medical and dental professionals to obtain individual disability income insurance coverage that meets the article’s so-called “gold standard.”

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  E&O Errors

  By Thomas D. Giachetti  |  August 1, 2011

  As I sit on my return flight to the United States from Italy, it saddens me to report that I was not successful in becoming the securities commissioner of Positano or Venice, the Italians insisting that no such position exists.