Guardian Life’s new term life insurance policy has an option to choose a charity to which the policyholder can provide a charitable giving upon death Guardian Life launches new life insurance policy. (Credit: FreeDigitalPhotos.net/nateemee.) American life insurance company Guardian Life has launched a new term life insurance policy, the Guardian Level Term Life Insurance, with a built-in charitable benefit rider. Guardian Life said that the term insurance product offers level pricing during the policy’s duration to help create protection for families and the ability to create a charitable giving legacy. Guardian Life’s Level Term policy will allow those who are charitable-minded to...
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Press Releases - April 25, 2018 Insurance Commissioner Katharine L. Wade today announced that nearly $1.6 million in unclaimed life insurance benefits have been returned to Connecticut residents who have used the Department’s free, online Life Insurance Policy Locator. “When we launched the Locator less than two years ago, we were confident that we were providing people with an important tool that could help them settle affairs and provide peace of mind,” Commissioner Wade said. “Nearly 600 people in Connecticut have used the Locator to do just that.” Developed by the National Association of Insurance Commissioners (NAIC) and launched in November 2016, the Life Insurance Policy Locator has...
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Florida department of insurance license search DIFS - Department of Insurance and Financial Services Please note the following services may be unavailable from 8:00am to 4:00pm on Sunday, March 1st due to server maintenance: DIFS Online Complaint Forms, Life Insurance and Annuity Search Service (LIAS), Insurance Licensing Online Services (ILOS), MI Health Insurance Enrollment, Premiums, and Losses (FIS 322) Database Application, Insurance. https://www.michigan.gov/difs/ Find an agent, agency or company | Washington State Office... Use the Office of the Insurance Commissioner's agent and company search tool to discover if a company or insurance producer is licensed in Washington state. https...
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Chicago, IL – April 27, 2020 – Unexpected health conditions and medical expenses are the impetus for many individuals to sell their life insurance policies to third parties in what’s known as a viatical settlement. To help policy holders understand the process, Windsor Life Settlements is offering a free downloadable eBook, “The Ultimate Guide to Viatical Settlements.” Updated for 2020, the eBook provides an essential tool, guide, and informational resource that explains what a viatical settlement is and eligibility requirements. Readers will learn how the process works, the difference between a life settlement and a viatical settlement, and which individuals...
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Form 497 Separate Account A Of Pacific Life Insurance Co Definitive materials Supplement dated April 15, 2020 to the Prospectus dated May 1, 2019 for the Pacific Choice Variable Annuity, Pacific Journey Select, and Pacific Odyssey variable annuity contracts issued by Pacific Life Insurance Company Capitalized terms used in this supplement are defined in the variable annuity prospectus unless otherwise defined herein. ‘‘We,’’ ‘‘us,’’ or ‘‘our’’ refer to Pacific Life Insurance Company; ‘‘you’’ or ‘‘your’’ refer to the Contract Owner. This Rate Sheet Prospectus Supplement (“Supplement”) should be read, retained, and used in conjunction with the applicable prospectus. If you would like another...
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Communications & Marketing Consultant (Life Insurance/Annuity) Sr. Communications and Life Insurance Marketing Consultant We have an exciting new opportunity with one of our best clients, a growing Life Insurance and Annuity company. Our client is looking to add an experienced (Communications consultant) to the team that will be working hand in hand with the VP of Sales and Distribution as well as the VP of Corporate Communications to develop world class sales and marketing/communications campaigns targeting Producers (Sales/Agents) and the end Consumer. Our client distributes specifically through (Brokerage and Independent distribution), so we are specifically looking for someone who...
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Many people like to keep their finances close to their chest. In the UK, it is still very much a social taboo to discuss personal finance, even with close relatives. Unfortunately, this can lead to situations where someone dies without properly informing their loved ones of their life insurance policy – and without knowing the relevant insurance company and policy number, it can lead to the life insurance going completely unclaimed. Can you find out if someone has life insurance? Happily, yes, you can. It might take a little effort and investigative work, but it is possible to make sure that the sum that you are due is correctly paid. How to find insurance policies for the deceased...
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Looking for a life insurance policy for a deceased loved one? There’s a tool! The Medical Information Bureau created a tool that can help you quickly determine how many life insurance policies your family has in play. To find out more about a new life insurance policy locator service, read on. The Medical Information Bureau (MIB) launched its Policy Locator Service to help people uncover whether a policy exists. MIB’s industry-wide database can report if an insurer took a policy application for the individual and submitted a query to our fraud detection service. It’s that activity that can help point the way to the company or companies that might have issued a life insurance policy....
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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...
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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...
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