Glenn S. Daily Fee-only insurance consulting

No-brainers

• Keep an existing whole life policy as a fixed-income investment. More information: Danger: Fiduciary liability ahead
• For fixed-premium policies, pay premiums annually. More information: The Cost of Fractional Premiums
• Use term riders to reduce the agent's commission and increase your policy values. More information: The Basics of Blending
• For no-lapse universal life, create your own premium schedule that takes advantage of the design of the no-lapse guarantee. More information: No-waste UL™: No-lapse UL Optimized
• Use ESPlanner to estimate your current and future life insurance needs for survivor protection. More information: How Much Life Insurance Do You Need?
• Before you buy an investment-oriented insurance product, try to weigh the benefits and costs of waiting. More information: Topics: Real options analysis

Life insurance

• Some Nonprofits Mismanage Their Life Insurance Assets
• The Life Insurance Industry Has Its Own Volkswagen Scandal
• How Prudential Invites You To Be A Fool
• Will Actuarial Guideline 49 Improve Indexed Universal Life?
• What Is the After-tax Rate of Return on a Tax-deferred Investment?
• Handout: "A Few Ways of Thinking About Combination Products," Financial Planning Association - New York, May 15, 2014.
• Six Hypocrises of the Life Insurance Industry
• What Is Cash Value Life Insurance?
• Optimize Your Maximization!
• How Should People Choose a Life Insurance Policy? An Interview With John R. Skar
• Understanding Life Insurance Is Harder Than Ever
• Is the Fechtel Method a Better Way to Evaluate Cash Value Life Insurance Policies?
• How Are Whole Life Dividends Determined?
• Is the Veralytic Report a Useful Tool for Advisors in Evaluating Life Insurance?
• No-waste UL™: No-lapse UL Optimized
• A Quick Look Back at 2011
• New York Life Illustration Is Concisely Informative
• ING Inforce Illustration Is Better Than Most But Still Lacks Some Important Details
• A Resolution for 20xx: I Will Think Ahead
• Life Insurance Guaranteed Values Are a Big Fat Idiot
• Retained Asset Accounts: Are Life Insurers Preying on Beneficiaries?
• Misattribution Still Sells Life Insurance
• What Is Suitable?
• A Gift for MetLife
• The National Life Insurance Consumer Competition
• The Power of Framing: A Term Insurance Example
• Should You Pay Your Insurance Premium?
• The Cost of Fractional Premiums
• Penn Mutual’s Amazing Overreach
• Should You Use the Comdex?
• Combination products: Are they worth a look?
• The Basics of Blending
• Danger: Fiduciary liability ahead
  • Life insurance watch list
• Just say no to no cash values
• Lapse-supported pricing: Is it worth the risks?
• Life insurance planning under GRRR
• Discounted Dollars: In Compliance?
• Handout: "Understanding No-Lapse Universal Life," NY NAPFA Study Group, October 11, 2005.
• How Much Life Insurance Do You Need?
• Rethinking buy-sell agreements after September 11
• A True Tale of Piggybacking
• A Compelling Alternative to Mutual Funds
• Barnes Standard
  • Book Review
  • Barnes Standard: A Numerical Example
  • Messages from Society of Actuaries Discussion Forum
• Life Insurance Sense and Nonsense
• With Peter C. Katt, "Reality Check: Comparing Life Insurance Illustrations," Journal of Financial Planning, April 1993

Life settlements

• Should You Invest in Life Settlement Funds?
• The Life Settlement Market: One Problem Solved, Many to Go
• What is a reasonable broker’s commission?
• Do cash values matter?
• How precise can policy valuations be?
• What is the value of an extended maturity provision?
• What is life expectancy?
• Handout: "Life Settlements - Selling A Life Insurance Policy: Advising Your Clients," NAPFA Northeast/Mid-Atlantic Virtual Study Group, October 10, 2007.