If you have taken out a mortgage or obtained new automobile insurance in the last few years you have probably used an electronic signature (e-signature) platform. An e-signature provides both extraordinary convenience and the same legal standing as a handwritten signature, as long as it complies with regulations published by the National Institute of Standards and Technology (U.S. Department of Commerce). The beauty of e-signatures versus traditional wet signatures is that they can be executed portably and with ease via computers and devices. An insured can sign a document anywhere and anytime...
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13 November 2023
The popularity of Index Universal Life products has stirred up the creative talents of many professional financial advisors, and nowhere has that creativity been more apparent than in the area of policy loan rescues. This presents a significant...
16 October 2023
Artificial Intelligence (AI) is top of mind today in the business community and elsewhere, and if estimations are correct will continue to be so in the future. It has been described in terms such as "transformative" and "next level," and promises to ...
24 July 2023
DuWayne Kilbo, MBA, FLMI, Senior Vice President and Chief Underwriter, Windsor Insurance Associates, Inc. Cindy Davis, FALU, FLMI, ACS, Vice President, Senior Underwriting Consultant, Underwriting/International NFP High net worth individuals an...
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23 September 2024
Understanding the primary causes of mortality in the United States is crucial for several reasons, particularly concerning individual well-being and life insurance mortality. It's equally important to grasp the variables influencing mortality t...
19 August 2024
Our Summer of '24 Blog features a variety of sales ideas, client materials, underwriting advice, and product insights to help you finish the year strong. You'll find some of these ideas useful every day, and some of them worth keeping in...
26 June 2024
Life insurance rarely figures prominently in U.S. Supreme Court cases. But there are scattered exceptions, and on June 6 2024, the Court released its decision in Connelly v. United States, originally a Tax Court case involving life insurance in an en...
29 April 2024
The 2024 Pacific Life Underwriting Symposium took place recently with an excellent slate of discussion topics and life insurance industry representation. Most platform discussions were in a panel format with Pacific Life, Distribution, Reinsura...
07 February 2024
Underwriting in the large case life insurance market has always had its challenges. Client and advisor expectations are high, and the demands for convenience, ease and speed are often at odds with the circumspect and proven procedures that carr...