SFSP - Society of Financial Service Professionals

  • JFSP - Journal of Financial Service Professionals (Current)
  • The Journal of the American Society of Chartered Life Underwriters
  • Journal of the American Society of CLU & ChFC
  • In addition, the insurance buyer can learn more about how the policy benefits may vary by reviewing alternate illustrations that project high and low interest rates.
    • Though not exact and not guaranteed, these projections are of value to the insurance buyer because they demonstrate how the life insurance policy works.

--  Prepared Statement of Brian S. Brown on Behalf of the American Society of CLU & ChFC

1993 0525 - GOV (Senate) - When Will Policyholders Be Given The Truth About Life Insurance?, Howard Metzenbaum (D-OH)  ---  [BonkNote]

  • 1981 - Universal Life Insurance: A Primer, by Timothy Lynch, The Journal of the American Society of Chartered Life Underwriters, Vol. XXXVI (July 1982) - <WishList>
  • 1993 - The Problem With Sales Illustrations: Why it Exists and How It Should Be Addressed, Miller, Walter N.,  Journal of the American Society of CLU & ChFC; Vol. 47, Iss. 3, (May 1993): 64 - <WishList>
  • 1995 -  Economic Analysis of The Development of Universal Life Insurance in The 1980’s, by Chang, D.H. (1995). Journal of the American Society of CLU & ChFC, 49, pp. 82-87 - <WishList>
  • 2007 07 - JFSP - Tips for Evaluating Existing Life Insurance Policies, Robert Littell, Vol 61, Issue 4 ---  Part 1 - 4p  ---  Part 2- 6p
  • 2007 07 - JFSP - Tips for Evaluating Existing Life Insurance Policies, Robert Littell -  
    • Abstract - Evaluating most existing life insurance policies can be a complex undertaking and requires a combination of different kinds and degrees of knowledge of product information, advanced underwriting tools and techniques, and how reinsurance works, as well as some degree of medical underwriting expertise. Much of this knowledge, especially product knowledge and the role reinsurance plays, can best be comprehended by having a better understanding of the evolution of the industry.
    • Also, Profiles (www.profiles.com) offers a product called "Insurance Insight" that not only graphically helps illustrate the sensitivity within permanent life insurance policies inherent with changes in NAR, making it easier to understand, but also utilizes a powerful Monte Carlo simulation engine that uses actuarially certified industry-representative benchmark policy costs.
      • This allows you to do "what-if" scenarios, which are especially valuable in analyzing VUL.
      • [Bonk: Who was www.profiles.com?]
  • 2011 - JFSP - The Ethical Environment of the Life Insurance Industry: The Impact of the Recession and Slow Recovery, by Robert W. Cooper, PhD and Garry L. Frank, PhD,  Journal of Financial Service Professionals - 15p
  • 2015 05 - JFSP - Advisor Beliefs Regarding Effective Life Insurance Disclosure, Journal of Financial Service Professionals