LIRP – Page 4 – [BonkNote]

Dots – Policyholder Runs No Runs on Life Insurance Run – Examples 2015 1119 Oversight of FSOC – Wagner [Have there ever been Runs on Life Insurance Companies? Yes] 1991 – FRB – Monetary Policy and Open Market Operations During 1991 – 123p Many life insurance companies had been hurt by declining real estate values, as…

Universal Life – Marketing Richard F. Fisher sums up his viewpoint thus : Universal Life is marketed as a tax-free money market fund, or other short-term investment vehicle, with term insurance available to be purchased from the fund. Current high short-term yields are illustrated for very long periods of years. Continuance of the term piece…

LIRP – Life Insurance as Retirement Plan / Savings / Investment – Walker v LSW IUL as Retirement Income Q Would you agree that a policyholder can use an IUL policy through the use of loans and withdrawals to obtain tax-free retirement income? A I do. Q Is that fair to say? A It’s one…

Q: Are Life Insurance Policies Being Sold For a Death Benefit or an Investment Vehicle? Life Insurance as an Investment LIRP/ SLIRP – Life Insurance Retirement Plan LIRP – Life Insurance Retirement Plan – Index MetLife 1990s FSOC I didn’t buy a Life Insurance Policy SOA – Looks like an Annuity Walker vs.…

CSO On the regulatory front, we have 2001 CSO coming into play. That will help UL writers and variable life writers. It reduces the cost of reserves when we provide guarantees to clients. However, the impact on term and UL is probably moderate, probably low. On the variable life side, a number of variable life…

LIRP – Life Insurance Retirement Plan LIRP Life Insurance Retirement Plan Life Insurance Retirement Planning Life Insurance in Retirement Planning SLIRP ESLIRP – Executive Supplemental Life Insurance Retirement Plan 199xs – Metlife – legal case – Nurses LC – Walker v Life Insurance Company of the Southwest — [BonkNote] Doug Andrew LASER Fund David McKnight 2012…

Joseph Belth josephmbelth.com/ theinsuranceforum.com/ search.worldcat.org/search?q=au=%22Belth%2C%20Joseph%20M.%22 – LC – Belth v. North Carolina Insurance Department A.L. Williams, The Insurance Forum Newsletter – LC – Belth v. New York State Department of Insurance 733 NYS2d 833 FOIA / FOIL 2004 0616 – Schiff’s Insurance Observer – Insurance Regulator Sucks up to Big Insurers: Makes Public Data Secret,…

Life Insurance as an Investment The term “investment-life-insurance policy” is used here to represent policies that have a large “cash-surrender value” throughout most of the period they cover, such as limited-payment life policies and endowment policies. 1928 – AP – The Investment Element in Life-Insurance Contracts, S. H. Nerlove – 22p 2020 – NAIC LIIIWG…

Policy Loans Loans LIRP – Life Insurance Retirement Plan Chris H. McElvaine: …I heard another policyholder at the annual meeting mention that he has taken advantage of his 6% policy loan provision. He has reinvested that money with the same company in an RRSP five-year interest certificate bearing a phenomenal rate of interest. Apparently he…

FSOC – MetLife Designation MetLife v FSOC – Legal Case Run – Implausible – LIRP – Reputational Risk / Future Shock 2007 – IAA (International Actuarial Association) – Measurement of Liabilities for Insurance Contracts: Current Estimates and Risk Margins, IAA ad hoc Risk Margin Working Group – 170p (p156) – E6.2.3 – The following are some considerations…