It's one thing to comprehend the volatility of gold, junk bonds and dot-coms, but it's something altogether different (and eye-opening) when that sucking sounds hits a financial entity as stable as the insurance industry.

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Banner Life Life Umbrella UL 120

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Forethought ForeLife

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A new whole life policy based on the 2001 CSO mortality tables. Covenant II replaces the previous product, which was based on 1980 CSO tables.

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The product may be low on sex appeal, but sales are up and current economic uncertainties are making it an important part of a flexible insurance strategy.

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Universal life is a great example of industry innovation

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AIG Protection Advantage VUL with death benefit protection

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As boomers head into retirement, insurance agents are increasingly interested in the thriving life settlement industry.

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Annualized life insurance premiums grew by 1 percent in the first quarter of 2008, according to LIMRA International, but the small uptick belied the overall numbers.

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If you serve clients of modest means, it may be wise to brush up on final expense insurance

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Aiming for a happy retirement, seniors can reap plenty of benefits from the right universal life policy

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Seeking to address consumers' needs for guarantees in uncertain times and flexibility to deal with long term planning, insurance companies build policies that measure up to new demands.

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Did you ever wonder after completing an annuity sale with a client if you "left money on the table?"

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Using life settlement as a planning tool to refinance insurance policies or as an exit strategy from unused or underperforming coverage.

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American United Life Insurance Co., a OneAmerica company, has announced the release of a new term life insurance product.

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Death benefit protection and cash accumulation potential.

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Many small business owners have greeted the mortgage-induced credit crunch with understandable worry. Obtaining the financing they need to grow is increasingly difficult, and even when they do obtain credit, it is often at high interest rates that increase the cost of doing business.

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Advances in convertible term, new policies with flexible lengths and combination products are making term life insurance a more palatable choice for consumers. Here's an overview of the many recent innovations.

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Integrity Life Insurance Co. has introduced a guaranteed lifetime withdrawal benefit with a spousal option to three of its flexible premium variable annuities: AnnuiChoice, Pinnacle and AdvantEdge. Called Guaranteed Lifetime Income Advantage, the benefit is available for an additional charge.

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"We just bought a bigger life insurance policy maybe four months ago."

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The Phoenix Companies Inc. has introduced Phoenix Concierge, an approach to underwriting life insurance that shortens the time from application to policy issuance and improves the overall experience for customers and advisors.

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Applications for individually underwritten life insurance were down by 3.7 percent in North America for the month of August

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Consumers have seen premiums for term life insurance fall for the last decade or more, fueled by longer life expectancies and, according to the Insurance Information Institute, decreasing death rates in the 25-to-44 age group.

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The insurance marketplace Standards Association, a standards-setting organization for the life, annuity and long term care insurance marketplace

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The American population continues to get older, and as it does, life insurers are going to need ever-better information about older Americans.

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