Author Archives: Tony Steuer

Avoid Long Term Care Insurance Scams

Long Term Care Insurance is a vital component of an overall financial plan serving as a backstop to your other assets.  Bankrate.com just ran an excellent article which looks at avoiding Long Term Care Insurance Scams and highlights the importance … Continue reading

Posted in Financial Literacy, Financial Preparedness, insurance literacy, Long Term Care Insurance, Policy Reviews | Tagged , , , , , , , , , | Leave a comment

SEC Investor Bulletin Discusses Impact of Fees and Expenses (including Commissions) on Insurance Products:

Life Insurance policies can be incredibly complex financial vehicles. There are many different components that make up whole life, universal life, variable life and indexed life products.  These component impact the earnings (interest, dividends, etc) and costs (cost of insurance, … Continue reading

Posted in Annuities, Commissions, Disability Insurance, Financial Literacy, Financial Preparedness, insurance literacy, Life Insurance, Long Term Care Insurance, Policy Reviews | Tagged , , , , , , , , , , , , , , | Leave a comment

Commissions: Will They Always Be a Secret?

Commissions: A dirty word to some, however, that’s how insurance agents are mostly compensated.  Commission reform on financial products especially on insurance products is long overdue.  The article “Compensation Conundrum” which originally appeared in Best’s Review discusses this and can … Continue reading

Posted in Disability Insurance, Financial Literacy, Financial Preparedness, insurance literacy, Life Insurance, Long Term Care Insurance | Tagged , , , , , , , , , , , | Leave a comment

Fitch Ratings: U.S. Life Insurance Industry Well-Positioned to Navigate Macroeconomic Challenges in 2014

With the continued improvement in the economy, the financial forecasts for U.S. Life Insurance Companies continues to improve.  The latest is covered in an article titled: “FitchRatings: U.S. Life Insurers well positioned in 2014″ as reported on Lifehealthpro.com (click to … Continue reading

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Banned and Still Not Going Away: Stranger-Owned Life Insurance:

In yet another example of an abusive life insurance sales practice that just won’t go away despite being a banned practice, Stranger Owned Life Insurance (STOLI) – also known as Investor Initiated Life Insurance has resurfaced according to a press … Continue reading

Posted in Financial Literacy, Financial Preparedness, insurance literacy, Life Insurance, Life Settlements, Policy Reviews | Tagged , , , , , , , , , , , | Leave a comment

The Right Time to Buy Life Insurance is When You Need Life Insurance:

While this seems reasonable enough, many life insurance policies are bought for other reasons than actually needing insurance.  The following article talks about a new planning method that’s being promoted to use Life Insurance to help with Financial Aid for … Continue reading

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National Financial Educators Council (NFEC) Features Insurance Literacy Page for Tony Steuer

Over the last few months, I’ve been working more closely with the National Financial Educator’s Council (NFEC) and am pleased to announce that they have created an Insurance Literacy Page to help spread the word on Insurance Literacy.  The NFEC … Continue reading

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The Right Time to Buy Life Insurance is When You Need Life Insurance:

While this seems reasonable enough, many life insurance policies are bought for other reasons than actually needing insurance.  The following article talks about a new planning method that’s being promoted to use Life Insurance to help with Financial Aid for … Continue reading

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Interview with Aaron Crowe for Bestlifequote.com: 18 Ways to Save on Life Insurance

Thanks to Aaron Crowe for the opportunity to comment for his article on Bestlifequote.com on “18 Ways to Save on Life Insurance”.  Aaron takes a close look at some ways you can save on life insurance.  Remember, each insurance company is … Continue reading

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Interview with Tamara Holmes for Insurancequotes.com: 5 Factors That May Influence Your Life Insurance Rates

Thanks to Tamara Holmes for the opportunity to be a source for her article on Insurancequotes.com on “5 Factors That May Influence Your Life Insurance Rates”.  As always, Tamara provides a new and unique perspective on a much written about … Continue reading

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