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Blurring the Lines Between Truth and Myth

February 25, 2010

For the benefit of consumers, we are asking all publishers in the media to edit out fabrications and sensationalism in articles that describe financial, legal, and retirement matters for seniors and to assure such articles are thoroughly researched and accurately reported. We are asking all publishers to help educate consumers with fair and useful knowledge. [...]


For the benefit of consumers, we are asking all publishers in the media to edit out fabrications and sensationalism in articles that describe financial, legal, and retirement matters for seniors and to assure such articles are thoroughly researched and accurately reported. We are asking all publishers to help educate consumers with fair and useful knowledge. It is to the benefit of consumers that they are allowed to make decisions based on factual information.

Life Insurance Settlement Series Volume IV: Blurring the Lines Between Truth and Myth

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A Critique of the request by the ACLI to ban securitizations of life insurance settlements.

February 3, 2010

Keystone, Colorado (February 3, 2010) – The American Council of Life Insurers (ACLI) released a statement asking policymakers to ban the securitization of life insurance policies sold in the secondary market. Policymakers need to realize the true intention of ACLI and the life insurance industry appears to be destruction of a vibrant secondary market for [...]


Keystone, Colorado (February 3, 2010) – The American Council of Life Insurers (ACLI) released a statement asking policymakers to ban the securitization of life insurance policies sold in the secondary market. Policymakers need to realize the true intention of ACLI and the life insurance industry appears to be destruction of a vibrant secondary market for life insurance, thereby denying seniors the option and right to realize full market value for their unwanted, unneeded and unaffordable life insurance policies. Such action by the life insurance industry is a slap to all life insurance policyholders, particularly seniors. Public policymakers should insist that consumers purchasing life insurance deserve the option a secondary market may provide.

Read the Press Release: ISI Critiques ACLI Securitization Ban Proposal

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Optimal Way to Build Awareness of Life Settlement Option Amongst Seniors

January 29, 2010

A recently completed study has found numerous communication shortfalls within the marketing strategies of the Life Insurance Secondary Market (“LISM”). The study, conducted by the Carlson School of Management at the University of Minnesota in conjunction with the Insurance Studies Institute, found that life settlements have been positioned to seniors in conflicting ways. According to [...]


A recently completed study has found numerous communication shortfalls within the marketing strategies of the Life Insurance Secondary Market (“LISM”). The study, conducted by the Carlson School of Management at the University of Minnesota in conjunction with the Insurance Studies Institute, found that life settlements have been positioned to seniors in conflicting ways. According to the study, references to life settlements portray them as everything from “a valuable resource for seniors” to “betting on death.” In addition to analyzing the diversity in positioning, the findings also detail seniors’ decision-making processes and how these processes impact the LISM.

Media Brief: Building Life Settlement Awareness Amongst Seniors

ISI supporters can obtain the full-length report.  Please contact Miki Jorgenson @ Mikij@InsuranceStudies.org for details.

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Increasing Awareness of Life Settlements Research study by The Carlson Brand Management Enterprise Team University of Minnesota Carlson School of Management

December 2, 2009

How can the Life Settlement Industry best position its message to consumers? How can the Life Settlement Industry increase consumer awareness of the option’s validity? Increase awareness about the option of Life Settlements Change current positioning of Life Settlements in order to positively influence consumer perceptions and acceptance Increasing Awareness of Life Settlements Research Study


  • How can the Life Settlement Industry best position its message to consumers?
  • How can the Life Settlement Industry increase consumer awareness of the option’s validity?
  • Increase awareness about the option of Life Settlements Change current positioning of Life Settlements in order to positively influence consumer perceptions and acceptance

Increasing Awareness of Life Settlements Research Study

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“Why Life Settlements?” LifeHealth Magazine, December 2009

December 1, 2009

Managing and insuring risk is no longer an option … it is a necessity for financial survival, and this includes protecting estates and retirement funding. Life insurance, specifically, is an increasingly important risk?management tool for seniors to utilize. Results of a recent survey showed that 60?70% of seniors do own life insurance, but only 50% [...]


Managing and insuring risk is no longer an option … it is a necessity for financial survival, and this includes protecting estates and retirement funding. Life insurance, specifically, is an increasingly important risk?management tool for seniors to utilize. Results of a recent survey showed that 60?70% of seniors do own life insurance, but only 50% have some knowledge of life settlements. Life insurance sales to seniors age 55 and older are up as reported by NAIC and ACLI, and numerous reports indicate that seniors plan to delay retirement for 2 – 5 years. Baby boomers and seniors are taking action, I believe, in response to dwindling pension and retirement assets. Read more below…

Life Insurance Settlement Series Volume III: Why Life Settlements?

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Longevity Risk Management Solutions

ISI is exploring traditional paradigms of longevity and the capital market developments surrounding it. Longevity/mortality shows promise as a unique new asset class as institutions attempt to remove risk from their balance sheets while investors search for alternate sources of investment returns. Longevity Risk Management Solutions


ISI is exploring traditional paradigms of longevity and the capital market developments surrounding it. Longevity/mortality shows promise as a unique new asset class as institutions attempt to remove risk from their balance sheets while investors search for alternate sources of investment returns.

Longevity Risk Management Solutions

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2009 Revenue Rulings Give Seniors and the Life Settlement Industry a Few Answers, But More Questions

November 30, 2009

A life settlement is the sale of an insurance policy to a third party investor. Tax law provides specific regulations pertaining to taxation of gains on distributed cash surrender values, death benefits to beneficiaries and death benefits to parties that purchased life insurance policies, but such regulations have been unclear when applied to gains on [...]


A life settlement is the sale of an insurance policy to a third party investor. Tax law provides specific regulations pertaining to taxation of gains on distributed cash surrender values, death benefits to beneficiaries and death benefits to parties that purchased life insurance policies, but such regulations have been unclear when applied to gains on life settlements and premium financed policies (see “Taxation of Life Insurance Policies In An Evolving Secondary Market” by ISI 2008). Previously, the IRS provided no formal guidance on the issue of taxation for either sellers or investors. On May 4th, 2009, the Treasury Department issued Revenue Ruling 2009-13 and 2009-14 regarding life settlement transactions. These rulings provide answers to some questions but create new questions and legal issues. This research project is intended to provide a pragmatic understanding of the new questions and issues.

Research Brief: 2009 Revenue Rulings Give Seniors and the Life Settlement Industry a Few Answers, But More Questions

Full Paper: 2009 Revenue Rulings Give Seniors and the Life Settlement Industry a Few Answers, But More Questions

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Insurance Studies Institute Welcomes New Advisory Board Members

November 23, 2009

Keystone, Colorado (November 23, 2009) – The Insurance Studies Institute (ISI) is pleased to announce the addition of two distinguished professionals to its Advisory Board: Mr. Rob Haynie, and Brian T. Casey, Esq. ISI President and CEO, Paul Siegert, announced the additions on November 23, 2009: “ISI’s work is expanding in scope and volume, and [...]


Keystone, Colorado (November 23, 2009) – The Insurance Studies Institute (ISI) is pleased to announce the addition of two distinguished professionals to its Advisory Board: Mr. Rob Haynie, and Brian T. Casey, Esq.

ISI President and CEO, Paul Siegert, announced the additions on November 23, 2009: “ISI’s work is expanding in scope and volume, and it is critical to bring knowledgeable and diverse minds to the table. These outstanding gentleman offer rich experience in various realms of life insurance and insurance law.”

Read the Press Release: ISI Welcomes New Advisory Board Members

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Designing a Systemic Risk Regulator

November 1, 2009

ISI provided lead funding for this breakthrough project, based at the Wharton School of Business. With assistance from the Congressional Budget Office, the study examines how the 2008/2009 financial crisis exposed gaps in the current regulatory system, and explores options for constructing an improved regulatory system through a Systemic Risk Regulator. The goal is to [...]


ISI provided lead funding for this breakthrough project, based at the Wharton School of Business. With assistance from the Congressional Budget Office, the study examines how the 2008/2009 financial crisis exposed gaps in the current regulatory system, and explores options for constructing an improved regulatory system through a Systemic Risk Regulator. The goal is to promote financial stability among financially interdependent institutions by lessening the likelihood of a crisis while creating ex-ante mechanisms to deal with a major financial crisis that does materialize. If the project produces demonstratable results, ISI may help to avoid future catastrophic capital market turmoil by employing this systemic risk regulator for major financial institutions.

Designing a Systemic Risk Regulator

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2nd Annual Retirement Income Symposium

October 19, 2009

October 19 – 20, 2009 • Chicago • Retirement Income Symposium Insurance Studies Institute President and CEO, Paul Siegert, has been invited to participate in this year’s Retirement Income Symposium. Paul will be panelist on the Identifying Trends and Future Developments for Investment-Oriented Retirement Income Solutions roundtable session. “The session will provide an analysis of [...]


October 19 – 20, 2009 • Chicago • Retirement Income Symposium

Insurance Studies Institute President and CEO, Paul Siegert, has been invited to participate in this year’s Retirement Income Symposium. Paul will be panelist on the Identifying Trends and Future Developments for Investment-Oriented Retirement Income Solutions roundtable session. “The session will provide an analysis of the big-picture trends and developments shaping the near-term outlook and long-term future of the retirement income market.

“The 2nd Annual Retirement Income Symposium will inform and educate financial service executives and advisors about the need for new products, risk management techniques and more complex retirement strategies to meet their clients’ needs and—as an industry—gain back trust. Learn from and network with top industry experts as they provide insightful analysis and practical solutions to help you succeed the new retirement reality.”

For more information on the symposium: Retirement Income Symposium

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