Insights

Most everyone in our country has felt the effects of COVID-19 — some more than others. While coping strategies vary by individual and industry, it is essential to understand the complexities and consequences before taking any action. Many of our health care clients have seen their volume of business decrease, putting increased pressure of their financial performance. For medical professional liability insurance and other insurance coverage a health care entity or provider might have, it is extr

Private premium financing has been a popular strategy for funding irrevocable life insurance trusts.

Savvy life insurance producers advocate a barbell or ladder approach to term insurance.

A life insurance policy funded for cash value appreciation can provide needed supplemental retirement.

Explore the modern portfolio theory, in which the key principle is that investors are rational and will try to maximize their expected return.

Discover how to use life insurance as a financial asset to mitigate market losses and increase the amount of wealth transferred to beneficiaries.

Protect your legacy and begin planning your estate and business succession with NFP's white paper on estate gifting, wealth transfer costs, and more.

Life insurance agents and client advisors often encounter irrevocable life insurance trusts (ILITs) that no longer reflect clients' current intentions. Even the most well-planned, flexible ILIT can go 'bad,' for of a number of unforeseen reasons. Typically, these problems involve a change in the circumstances that existed when the ILIT was created. For example, client family dynamics may have changed or the beneficiary might be in an unexpected financial situation. Changes in applicable tax or

Property and casualty insurance companies continue to challenge rating agencies as to the accuracy of the current ratings in light of the pandemic and shock to the US economy. This merits some need for re-evaluation of key solvency metrics (at this point, more from deterioration in the credit quality of insurer’s fixed income portfolios, along with the drop in equities), but continues to suggest: P&C insurers are well capitalized and able to withstand investment volatility P&C insuranc