Term life insurance rates fell for years and are near all-time lows, but they won’t stay there, says Byron Udell, chief executive officer of the online insurance marketplace Accuquote. A few carriers have started to push up rates about 5 percent to 10 percent, he says, and he expects others will follow. The best possible life [...]

What lies ahead for annuities in the next 12 months.   Though no one can predict with certainty what the future will hold, here’s a little exercise that might help jump start the wondering: Compare product development for the previous year with sales results in the current year.   Check out the 2011/2012 relationship  According [...]

Research by the Society of Actuaries (SOA) puts forth a compelling case that women and their spouses face a very unpleasant future unless they do a much better job of managing their assets and income today. And that future, sadly but realistically, is likely to eventually involve just the woman.   The goal is to [...]

We recently caught a brilliantly written article by Steve Vernon on CBS Money Watch called “401(k) income statements: The next subprime?”  In the article Steve compares the naive masses that believed buying homes with no money down and balloon rate mortgage payments would last forever to the same naive masses that believe their 401(k) will [...]