samedi 19 novembre 2011

Unclaimed Life Insurance

Unclaimed Life Insurance

Did you know that many life insurance companies are holding massive sums of unclaimed life insurance beneficiary money? It's true -- more than one-fourth of life insurance benefits are unclaimed and thus not paid to the beneficiary. This happens often because those named as beneficiaries are not even aware of the life insurance policy. The result is millions of dollars being held by the companies who drew up the policies.
Another thing you should know is that a great many Prudential, MetLife and John Hancock policy beneficiaries are entitled to cash, policy credits or stock holdings because of the demutualization of these three insurance companies. Demutualization is a process where a company goes from a member-owned company to a shareholder owned company. In many cases this comes before the initial public offering or IPO of the company. You can learn more about this process online or by asking your current insurance agent, they should be able to explain the demutualization process and what it means for you in depth.
The majority of U.S. states offer a long period of time before declaring benefits as abandoned. This can be as long as 100 years. The problem is that no repository for unclaimed benefits exists and there is little to no effort made to locate beneficiaries. In general the beneficiaries must contact the insurance company to inform them the policy holder is deceased. So, in some cases it is necessary to do some digging and research to find out whether or not you are entitled to lost benefits. You'll find a great deal of information about unclaimed money and also specialists who help you find it on the Internet.
Depending on your family history, you may or may not be entitled to unclaimed life insurance benefits. If you want to search the best thing to do is find a free or inexpensive company online that can help you. There are large databases of names and addresses where you can look to see if you or a family member have lost money from unclaimed benefits or some other source. In some cases people are also entitled to unclaimed tax refunds and other sources of money. A word of caution to Internet searchers -- it is possible to spend more on your investigation than you may receive in unclaimed funds, so don't make any hasty decisions regarding paying for a search.


Life Insurance News:
AIG Life Unit's Return to Securities Lending May Carry Risk, Moody's Says - Bloomberg


AIG Life Unit's Return to Securities Lending May Carry Risk, Moody's Says
Bloomberg
American International Group Inc. (AIG)'s resumption of securities lending at a life insurance division would carry risks for the company and be negative for bondholders, Moody's Investors Service said .
AIG's Return to Securities Lending Carries Risks, Moody's SaysSan Francisco Chronicle

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Life insurance arm shines
We set our price target for ICICI Bank at R1,200/$54. Our target is currently based on average historical PB multiple...


New Indexed Universal Life Solution From Nationwide Can Help Advisors Give . - MarketWatch (press release)


New Indexed Universal Life Solution From Nationwide Can Help Advisors Give .
MarketWatch (press release)
COLUMBUS, Ohio, Nov 07, 2011 (BUSINESS WIRE) -- The recent market volatility has prompted many advisors to look for life insurance solutions that can help clients achieve their goals while minimizing the impact of market fluctuations. .

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Even in Tough Times, Don't Skimp on Life InsuranceEUR - Patch.com


Even in Tough Times, Don't Skimp on Life InsuranceEUR
Patch.com
Today, many families are struggling just to pay the bills, and during these tough times you may be tempted to skimp on life insurance. However, this is one area where it's best not to compromise. Most of us have been forced, at one time or another, .
UL reserve requirements catch eye of regulatorsInvestmentNews
Restyled Annuities Offer Fewer ChoicesWall Street Journal

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NY officials to investigate unpaid life insurance - Wall Street Journal

Politics on the Hudson (blog)

NY officials to investigate unpaid life insurance
Wall Street Journal
AP ALBANY, NY EUR” New York's attorney general and comptroller have begun jointly investigating unpaid life insurance benefits, citing data they say indicates millions of dollars may have been withheld improperly from thousands of possible beneficiaries. .
Scheiderman, DiNapoli team up for life insurance investigationPolitics on the Hudson (blog)

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New Missouri program helps track down life insurance policies
JEFFERSON CITY EUR” The Missouri Department of Insurance has a new way to help people track down the life insurance policies of deceased relatives. The department said it's common for people to know their parents had a life insurance policy but not to have a copy of it EUR” or even to know the name of the insurance company. Under a new program, the department will collect information from people ...


ING Unveils Time-Saving Illustration Mobile Tool for On-The-Go Life Insurance Agents
MINNEAPOLIS, Nov. 7, 2011 /PRNewswire/ -- ING's U.S. Insurance division announced today the launch of Life Illustration Express Mobile, an innovative, new tool that agents can use on their tablets and mobile devices.  This technology makes it easier for agents to instantly run...


AIG Life Units Return to Securities Lending May Carry Risk, Moodys Says
American International Group Inc. (AIG) s resumption of securities lending at a life insurance division would carry risks for the company and be negative for bondholders, Moodys Investors Service said today...


Life Insurance: Avoid Universal and Variable Policies
Why term policies are the best option..


At death's door? The Hartford has speedy life policy - Hartford Business


At death's door? The Hartford has speedy life policy
Hartford Business
Not much happens in the way of technology enhancements in the staid life insurance industry, but that isn't stopping Hartford Financial Services Group Inc. from trying. The Hartford confidently boasted Monday it may have found a way to speed extension .
The Hartford Invents Faster Way To Deliver Life InsuranceMarketWatch (press release)
The Hartford Invents Faster Way To Deliver Life InsuranceBusiness Wire (press release)
The Hartford Invents Faster Way To Deliver Life InsuranceTheStreet.com (press release)

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Customized Life Insurance: What Works Best for Your Life? - MarketWatch (press release)


Customized Life Insurance: What Works Best for Your Life?
MarketWatch (press release)
4, 2011 /PRNewswire via COMTEX/ -- The details involved in planning for your financial future can be dizzying for some people, and one subject that often seems impossibly complicated is life insurance. Add to that the struggle Americans feel in dealing .

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Life insurance for kids: Long term benefits come from early investment - Creston News Advertiser

Creston News Advertiser

Life insurance for kids: Long term benefits come from early investment
Creston News Advertiser
It's not uncommon for new parents to consider adding life insurance coverage to the other policies that they carry, like car and health insurance. It can be a difficult thing to think about, but it's an added protection that will ensure that kids and .
Life Insurance 101Dominican Today
Mo. program to track down life insurance policiesBelleville News Democrat
Managing risks with life insurance (2)The Nation
Chillicothe Gazette -Insurance News Net (press release)
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Central Bank of India to hold decision on life insurance biz till March - Economic Times


Central Bank of India to hold decision on life insurance biz till March
Economic Times
MUMBAI: Public sector lender Central Bank of India is likely to hold its decision of entering into life insurance business for the next six months (till March, 2012) in the wake of uncertainty over capital infusion from the government. .

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AM Best Affirms CNO Ratings - Daily Markets


AM Best Affirms CNO Ratings
Daily Markets
The company's subsidiaries include Bankers Life and Casualty Company, Bankers Conseco Life Insurance Company, Colonial Penn Life Insurance Company, Washington National Insurance Company and Conseco Life Insurance Company. AM Best affirmed the issuer .
Short-term Underperformance Detected in Shares of Sun Life Financial in the .Financial News Network Online

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Unpaid Life Insurance Benefits Subject of New York Joint Investigation
Life insurance companies are under scrutiny in New York for the way they handle unpaid life insurance death benefits. Attorney General Eric T. Schneiderman and State Comptroller Thomas P. DiNapoli announced late last week that they would be collaborating on the life insurance investigation, after their offices uncovered data that indicated that millions in [.]..


New Indexed Universal Life Solution From Nationwide Can Help Advisors Give Clients a Balanced Life
COLUMBUS, Ohio--(BUSINESS WIRE)--The recent market volatility has prompted many advisors to look for life insurance solutions that can help clients achieve their goals while minimizing the impact of market fluctuations. Nationwide Financial Services, Inc. today announced the launch of Nationwide YourLife Indexed UL, a fixed life product that can offer clients the potential for growth and ...


The Hartford Invents Faster Way To Deliver Life Insurance
The Hartford will deliver permanent life insurance to consumers in just five days, slashing the industry average of 48 days, through its new Issue First process. The patent-pending approach resolves a common ...


MO program to track down life insurance policies
The department says it's common for people to know their parents had a life insurance policy, but not to have a copy of it - or even to know the name of the insurance company...


245 Billion Worth of Mortgages Not Protected by Life Insurance According to a Study by Sainsbury's Finance
Four in ten mortgage holders do not have life cover to protect their mortgage(1).(PRWEB UK) 7 November 2011 Four out of ten mortgage holders in Britain (41%) do not have their mortgage contributions covered by life insurance, according to new research(1) from Sainsbury's Life Insurance. The findings suggest that there are nearly seven million people with a collective outstanding mortgage balance ...


New Agent App From ING - Insurance Networking News


New Agent App From ING
Insurance Networking News
Life Illustration Express Mobile, a new tool that agents can use on their tablets and mobile devices, allows agents to run illustrations and compare premium quotes for multiple term and universal life insurance products simultaneously, thus helping .
ING Unveils Time-Saving Illustration Mobile Tool for On-The-Go Life Insurance .MarketWatch (press release)

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