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Insurance advice referral service - Which?

Accessing the right life insurance for you Which? Financial Services can refer you to a regulated advice service offering you help in choosing life and mortgage insurance by searching the market to get you the right policy. The advice service Which? Financial Services can refer you to will talk to you to understand your unique circumstances and search the market so you can get the right insurance policy for your needs. Best of all, the service is regulated by the Financial Conduct Authority. Getting the right life insurance policy Which? believes that getting the right advice when choosing something as important as life insurance is vital. Which? Financial Services can help you by referring...

The Life Insurance Search for Yield - J.P. Morgan Institutional Asset Management

An Analysis of Recent Purchases Reaching for yield, which we define as buying bonds with wider spreads after controlling for sector and rating impacts, is a topic that frequently arises in the life insurance industry. Due to the formulaic nature of regulatory and rating agency capital charges, the simple strategy of buying wider spread bonds generates the greatest yield for a given level of required capital. This strategy, however, is not without its drawbacks. Wider spread bonds tend to be of lower intrinsic quality and, thus, are more likely to experience downgrades and defaults. Even in the face of these increased risks, many insurers are drawn to these wider spreads, and thus higher...

Unclaimed money, ASIC - Australian Securities and Investments Commission

Unclaimed money There’s around $1 billion of lost money to be claimed from bank accounts, shares, investments and life insurance policies. We explain how it becomes unclaimed and how to find out if you have lost money. Why does ASIC hold unclaimed money? The ‘unclaimed money’ which ASIC administers is money in bank accounts and life insurance policies which has not been touched or claimed for a certain amount of time. This can happen when people change address or go overseas and forget to update their details with a financial institution or company that holds the money or are unaware there is money to which they have a rightful claim. Since 2015, the time after which money becomes ‘...

Is LifeSearch's advice charge such a fair deal?, Money, The Guardian

I used LifeSearch to find an insurance product, and was very pleased with the service and value for money. I think they've come up trumps again with a recent quote from Legal & General. What bugs me is that on the telephone I was told there would be a possible "advice charge" of up to £200, even if I decide not to take up the product. I do want the cover, so the problem doesn't arise, but can it legally enforce this? Legal & General made it clear that I had a fixed time to decide whether the cover was right for me, which seems to be in accordance with my legal rights. After all, it was only when I was sent a full policy that I was in possession of all the facts. LifeSearch seems...

Morse Genealogical Services, LLC, Insurance Search, Genealogical Research Firm

Insurance Search Introducing Policy Locator Service The quick, easy, cost effective way to help locate lost life insurance policies that may have been owned by a deceased spouse or family member. If you are an executor, or administrator (in cases where there have been no probate proceedings, a surviving spouse or other relative eligible for appointment may be entitled to order the report), Policy Locator can maximize your opportunity to discover life insurance benefits you may not have realized existed. Policy Locator provides an efficient and effective alternative to labor intensive manual searches. Our extensive historical archives can trace paths from merged and acquired companies,...

How to search for unclaimed life insurance benefits, Times Free Press

A national life insurance database search engine has netted $3 million in unclaimed benefits for Tennesseans and $6.6 million for Georgians, state commerce officials say. The program is part of a nationwide effort to match people up with life insurance benefits they didn't realize they were supposed to receive. To sign up, you can register through the Georgia Office of Insurance and Fire Safety Commissioner's website (www.oci.ga.gov) or by calling 1-800-656-2298. The information you provide will go to a database kept by life insurance companies. If your name is a match, the system will alert you to how much you are owed. The data is encrypted to block hackers, Office of Insurance...

News of the Life Insurance Association of Michigan: LIAM

Over $1 Million Recovered from the Michigan Life Insurance and Annuity Search Service (LIAS) State of Michigan Department of Insurance and Financial Services FOR IMMEDIATE RELEASE: October 10, 2017 (LANSING) Today, the Michigan Department of Insurance and Financial Services (DIFS) announced that they have helped Michigan consumers recover over $1.3 million in death benefits after launching the department’s free Life Insurance Annuity Search Service (LIAS) last year. LIAS was created to help beneficiaries locate a deceased family member’s life insurance policy or annuity contract that was purchased in Michigan. It helps executors, legal representatives, or members of the deceased person’s...

Unclaimed Life Insurance Benefits,

Unclaimed Life Insurance Benefits ACLI Statement The life insurance industry is proud of its long history of honoring its obligations to policyholders. In the past ten years alone, insurers have paid more than $600 billion to beneficiaries of life insurance policies. State insurance departments strictly regulate the life insurance claims payment process. The states also have well-established laws delineating when unclaimed life insurance benefits default to the government. In a small percentage of cases, life insurance benefits go unclaimed because family members are unaware that they are listed as beneficiaries in existing policies. Life insurers want everyone to receive the benefits to...

How to Find a Lost Life Insurance Policy, Life Insurance Canada

How to Find a Lost Life Insurance Policy In the last year, The OmbudServices for Life and Health Insurance [OLHI] fielded 1,290 calls from people looking to recover a life insurance policy that had potentially been lost. They are a national independent complaint resolution and information service for consumers of Canadian life and health insurance products and services, including life, disability, employee health benefits, travel, and insurance investment products such as annuities and segregated funds. If you suspect that you or someone you know are potential beneficiaries of a lost life insurance policy, OLHI general manager Brigitte Kent recommends turning over every stone you can think...

Search Our Statutory Financial Statements, Lincoln Financial Group

The mention of any specific securities or life insurance product on this site, in any Webcast or press release, is presented for informational purposes only. This site and the information contained herein does not constitute an offer or a solicitation of an offer for the purchase of any securities or insurance product. An offer for securities can be made by prospectus only. Depending on the securities or insurance product mentioned, it may be issued by The Lincoln National Life Insurance Company, Fort Wayne, IN; Lincoln Life & Annuity Company of New York, Syracuse, NY; or other LFG companies and offered through broker dealers with effective selling agreements. All companies mentioned...