News You Can Use

10/29/2008
IRS releases 2009 Eligible LTCi Premium Deductions

10/20/2008
Important Letter About ING's Financial Strength

10/03/2008
UNIFI Companies Remains Strong and Secure

9/19/2008
Important Information about Columbus Life

9/17/2008
Important Information about AIG American General

Low Load Insurance Services
2907 W. Bay to Bay Blvd., #102
Tampa, FL 22629-1706

Toll Free: (877) 254-4429
Phone: (813) 902-0002
Fax: (813) 902-0007

E-mail: advisorservice@llis.com

Advisor Tools

E-Brochures

Applying, What to Expect

Disability Insurance

Immediate Annuities

Life Settlements

Long Term Care

Low Load Life Insurance

LTC, How to Talk to Your Clients

Non-Traditional Families

Policy Review Services

Term Life Insurance

Universal Life Insurance

---

Please Note: Currently Updating
Jump to subjects starting with... A B C D E F G H I J L M N O P R S T U V W, X, Y and Z

Accidental death benefits

Adjustable life insurance

Age Calculation for policy issue

Alcohol abuse

Annual Renewal Term (ART)

Annual reports

Application for life insurance

Applying, What to Expect

Assignment provisions

Attained-age method of conversion

Attending physician statement (APS)

Aviation

Avocation

Beneficiary designations

Beneficiary designations minor child

Benefit period

Binding premium receipt

Cash value accumulation

Cash surrender value

Cash-value life insurance

Charitable bequests with life insurance

Children’s riders

Collateral assignment

Commissioners Standard Ordinary Table of Mortality (CSO)

Conditional premium receipts (see Binding premium receipts)

Contingent beneficiary

Convertible term life insurance

Cost-of-living adjustment

Cross-purchase buy-and-sell agreements

Crummy Trusts

Death Claim

Death proceeds, income taxes

Deferred Annuities

Deferred compensation plans, nonqualified

Disability Insurance

Disability buy-out insurance

Disclosure

Divided scale interest rate

Effective date

Elimination period

Endowment insurance

Entity buy-and-sell agreements

Extended term insurance

Family history

Flat extra premium rating method

Flexible premium life insurance

Flexible premium variable life insurance

Foreign travel

General account

Grace period

Guaranteed income annuities

Guaranteed life insurance

Guaranteed renewable contracts

Guideline premium requirements

Health history

ILIT (see Irrevocable Life Insurance Trust)

Immediate Annuities

Indexed life insurance

Insurable interest

Insurance agents

Insurance companies

Interest-rate risk

Irrevocable Life Insurance Trust

Joint life insurance

Juvenile life insurance

Key employee disability income insurance

Last-to-die life insurance (see Survivorship Life)

Level premiums

Life expectancy calculations

Life insurance contracts

Life insurance policy costs

Life Settlements

Long Term Care

LTC, How to Talk to Your Clients

Long term care funding

Long term care insurance

Long-term disability insurance (see Disability Insurance)

Low Load Life Insurance

Medical examinations

Medical Information Bureau (MIB)

Medical history

Mortality tables (See Commissioners Standard Ordinary Table of Mortality)

National Association of Insurance Commissioners (NAIC)

Noncancellable contracts

Occupation

Own occupation definition (disability)

Partial disability benefit

Pension maximization with life insurance

Personal financial planning

Personal history

Policy date

Policy effective date

Policy Review Services

Policy reviews

Premium taxes

Presumptive disability

Reinstatement

Reinsurance – of life insurance risks

Renewability

Replacement

Residence

Residual disability (See partial disability benefit)

Return of premium (ROP) policies

Rollover of life insurance cash values (see Section 1035 exchange)

Salary continuation plans

Second to die life insurance (see Survivorship Life)

Section 1035 exchange

Senior settlements (see Life Settlement)

Short term disability

Single premiums

Annuities

Smoking

Special needs trust with life insurance

Substandard risk underwriting

Suicide clauses

Supplemental disability coverage
(See Disability Insurance, Gap Between Group….)

Supplemental life insurance

Surrender value

Survivorship life insurance

Table Ratings for life insurance

Temporary insurance agreement (see Conditional Premium Receipt)

Testamentary trusts

Trustees

Trusts (see Irrevocable Life Insurance Trust)

Universal Life Insurance

Variable universal life insurance

Whole life insurance

Yearly renewable term life insurance (see Annual Renewable Term (ART)