Life Insurance Policy Investment : Investment Research Associates : Angeles Investment Advisors

Life Insurance Policy Investment

life insurance policy investment
    insurance policy
  • A document detailing the terms and conditions of a contract of insurance
  • (Insurance Policies) A contract which usually provides a lump sum or regular payments on the occurrence of a specified event eg death, illness etc, in return for payment of regular or single premiums.
  • policy: written contract or certificate of insurance; "you should have read the small print on your policy"
  • In insurance, the insurance policy is a contract (generally a standard form contract) between the insurer and the insured, known as the policyholder, which determines the claims which the insurer is legally required to pay.
  • the commitment of something other than money (time, energy, or effort) to a project with the expectation of some worthwhile result; "this job calls for the investment of some hard thinking"; "he made an emotional investment in the work"
  • outer layer or covering of an organ or part or organism
  • investing: the act of investing; laying out money or capital in an enterprise with the expectation of profit
  • A thing that is worth buying because it may be profitable or useful in the future
  • An act of devoting time, effort, or energy to a particular undertaking with the expectation of a worthwhile result
  • The action or process of investing money for profit or material result
  • The condition that distinguishes animals and plants from inorganic matter, including the capacity for growth, reproduction, functional activity, and continual change preceding death
  • The state of being alive as a human being
  • a characteristic state or mode of living; "social life"; "city life"; "real life"
  • Living things and their activity
  • the experience of being alive; the course of human events and activities; "he could no longer cope with the complexities of life"
  • the course of existence of an individual; the actions and events that occur in living; "he hoped for a new life in Australia"; "he wanted to live his own life without interference from others"
life insurance policy investment - The PPLI
The PPLI Solution: Delivering Wealth Accumulation, Tax Efficiency, And Asset Protection Through Private Placement Life Insurance
The PPLI Solution: Delivering Wealth Accumulation, Tax Efficiency, And Asset Protection Through Private Placement Life Insurance
Private placement life insurance (PPLI) was once the exclusive domain of wealthy investors willing to tackle the logistical challenges of the offshore insurance market. The investment portfolio, tax, and estate-planning applications, and ongoing investment potential of these policies made the effort worthwhile. In recent years, though, a number of U.S.-based insurance companies have developed similar policies that meet all U.S. insurance, investment, and tax regulations.
PPLI is becoming a fundamental component of effective tax, trust, and estate planning, but few sources have been available to detail the best practices—until now. The PPLI Solution can serve as a resource for effective execution. Written by leading practitioners, the book will position advisers to capitalize as PPLI expands further into the high-net-worth market and becomes available to individuals with an investable net worth as low as $1 million.
Few investors—whatever their net worth—will want to venture into the PPLI market without guidance. The PPLI Solution addresses the needs of investment managers, consultants, attorneys, and accountants who want to achieve the broad understanding of PPLI's applications required of those providing advice. It can serve as an authoritative source for anyone—including investors—seeking to know more about PPLI’s nearly perfect tax efficiency, solid creditor protection, and powerful means of creating wealth.

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There are 1,018 pages of the Health Care Reform Bill and it really has some frightening provisions in it. I never thought I would see euthanasia addressed in print, but it’s here, Please be read the following highlights: I have highlighted some very troubling and downright scary provisions written into this Health Care Reform Bill. What we hear on the television via our President is just a few conditions that may sound reasonable or even good on the surface, but buried within these 1,018 pages are dark secrets everyone needs to know. On Page 30 Sec 123 of HC bill - THERE WILL BE A GOVERNMENT COMMITTEE that decides what treatments/benefits you get! Continue reading, the following excerpts, they contain far more information on what kind of care you may or may not get! PG 85 Line 7 HC Bill - Specifics for and of Benefit Levels for Plans = The Government will ration your Health-care! PG 85 Line 7 HC Bill - Specifics of Benefit Levels 4 Plans. #AARP members - Your Health care WILL be rationed. PG 272 SEC. 1145. TREATMENT OF CERTAIN CANCERS/ HOSPITALS - Cancer patients - welcome to rationing! Only the mildest cases will receive treatment! Those with the highest survival rates! Page 280 Sec 1151 The Govt will penalize hospitals for what the Government deems preventable re admissions. This means you will not be admitted when you should! Pg 298 Lines 9-11 Doctors if you treat a patient during initial admission to a Hospital that results in a readmission- The Government will penalize you. This means patients will not be admitted when they should! Pg335 L 16-25 Pg 336-339 - Government mandates the establishment of outcome based measures. HC the way they want! Rationing on the basis of how sick you are! If you have Cancer and MIGHT die in 6 months with or without treatment, do you really think they are going to spend money and resources on the chance that you MIGHT live? Pg 354 Sec 1177 - Government will RESTRICT enrollment of Special needs people! Can you say no health-care for the the Disabled! PG 425 Lines 22-25, 426 Lines 1-3 Government will provide you with an approved list of end of life resources, guiding you in death! Can you say Euthanasia! They will not help you to live, but they will be kind enough to help you to die! PG 427 Lines 15-24 Government mandates a program for the orders for the end of life. The Government has a say in how our life ends! An order can be made to withhold life sustaining care from us! Pg 429 Lines 1-9 An "advanced care planning consultation" will be used frequently as a patients health deteriorates! This sounds like a bully tactic to make sure Euthanasia is used! PG 429 Lines 10-12 "advanced care consultation" may include an ORDER for end of life plans. AN ORDER from the GOVERNMENT! Pg 429 Lines 13-25 - The government will specify which Doctors can write an end of life order. They can decide for you! PG 430 Lines 11-15 The Government will decide what level of treatment you will have at the end of your life! I do not know about you, but I would like to decide for myself what treatment I want at the end of my life! Now a few other provisions that need to be pointed out! PG 50 Section 152 in HC bill - HC will be provided to ALL non US citizens, illegal or otherwise! But wait, not to our Special Needs people? How in God's name is this happening? Pg 58HC Bill - Government will have real-time access to individuals finances & a National ID Health card will be issued! Fantastic now the government really controls our money! HMMM, National ID Health card---Mark of the beast?????? Ok that might be far fetched, but how far? Pg 59 HC Bill lines 21-24 Government will have direct access to your banks accounts for electronic funds transfers. Just what I want! They can take what they want, when they want! PG 65 Sec 164 is a payoff subsidized plan for retirees and their families in Unions & community organizations (ACORN). Pg 72 Lines 8-14 Government is creating an HC Exchange to bring private HC plans under Government control. Why not, they are screwing up everything else! PG 84 Sec 203 HC bill - Government mandates ALL benefit packages for private HC plans be in the Exchange. The Government controlling the Private Sector! PG 91 Lines 4-7 HC Bill - Government mandates linguistic appropriate services. Example - Translation for illegal aliens! But there is no money in the plan for life sustaining treatment for my stage 4 Lymphatic Cancer stricken Uncle! Only Euthanasia for him! -PG 102 Lines 12-18 HC Bill - Medicaid Eligible Individuals will be automatically enrolled in Medicaid. No choice! pg 124 lines 24-25 HC No company can sue the GOVERNMENT on price fixing. No "judicial review" against Govt Monopoly! Too much power and no way to fight it! pg 127 Lines 1-16 HC Bill - Doctors/ #AMA - The Government will tell YOU what you as a Doctor can make! Pg 145 Line 15-17 An Employer MUST auto enroll employees into public opt plan. NO CHO
Mr. Michael J. Ham (Jan. 7)
Mr. Michael J. Ham (Jan. 7)
Has lived in Beaufort County 2 years Born: Niles, Michigan Education: BA, Physics, Kalamazoo College; Graduate work in physics at University of Erlangen (in Germany) and University of Notre Dame; MBA, Indiana University. Work History (more details at the end): CFA – Chartered Financial Analyst, Beaufort SC. Formerly, research physicist, operations research analyst, portfolio manager, and VP Research on Wall Street. Interests: Investment Research, reading, beach combing and bridge. Book Selected: The Footprints of God Author: Greg Iles Publisher: Pocket Star, 2004 Why Selected: I chose to read The Footprints of God originally because it was one of’s top 100 thrillers and was endorsed by Dan Brown, author of The DaVinci Code. It quickly came to mind when I was asked to do a book review because to call it a thriller is like calling Moby Dick a fish story. The fast-paced action tale is deftly interwoven with concerns about artificial intelligence and religious/ethical issues that should interest readers with scientific or philosophical interests. Bio Details Currently, CFA, Beaufort SC. Provides compliance services for two brokerages in New York, advises a mutual fund in West Virginia, and generates long-short ideas for brokers dealing with hedge funds. Previously, VP and Deputy Director of Research with Swiss American Securities in New York for almost 12 years. There, he built the research staff to nine analysts and tripled the stock coverage of SASI’s universe. After Credit Suisse, Swiss American’s parent company, restructured itself in 1996, he worked with Credit Suisse First Boston’s Research Department to increase coverage by an additional 50% using fewer analysts. At SASI, Michael was responsible for advising and/or managing several advisory accounts. The one account where Mr. Ham had full discretion earned 41 basis points more than the S&P 500 each quarter on average after all fees and expenses in the 10 years that Mr. Ham managed it. In addition to the duties mentioned above, Mr. Ham wrote periodic reports on developments that had broad investment implications and wrote the monthly investment strategy piece for SASI’s Monthly Market Letter. He also put together the firm’s Model Portfolio and wrote a monthly piece on the economic forces impacting various stock sectors. He developed econometric models for the 10 S&P sectors for that purpose. These models explained between 67% and 97% of the sectors’ movements over periods up to eight years. As a result, SASI’s custodial holdings of ETFs increased nearly tenfold to almost $2 billion. Before joining Swiss American Securities, Mr. Ham was Senior VP and Managing Director of Securities for ING’s Investment Centre. There he managed fixed income for several insurance companies, including Life of Georgia’s $1.5 billion portfolio. He also supervised the other portfolio managers, analysts, and clerical staff. He restructured Life of Georgia’s MBS portfolio to reduce prepayment risk and, in 1989, the portfolio ranked fifth among all U.S. insurance companies in terms of the ratio of market value to book value. He also established a private placement program to provide higher yields on better terms than were available in the public market. Prior to earning his CFA, he was Director of Corporate Planning for Durham Life Insurance and helped restructure it as a holding company to better manage its property/casualty, broadcasting, and real estate subsidiaries. He also created a product development committee, which enabled DLIC to offer one of the first Universal Life policies in the country. Earlier, he was an operations research analyst and research physicist with Uniroyal, Inc. Mr. Ham is a Chartered Financial Analyst and Fellow of the Life Management Institute (with distinction). He is Series 7, 16, 24, 63, and 87 certified. He has had articles on corporate strategy published in Best’s Review and co-authored one of the first books on measuring quality of life. Mike has been active in Toastmasters for more than ten years and earned the Accomplished Toastmaster designation. He has been president of one regular club and two advanced clubs. Mike has won numerous speech contests, both serious and humorous, and is comfortable addressing groups of any size. At Swiss American, he traveled frequently to Asia and Europe to address investor groups on behalf of Credit Suisse.

life insurance policy investment
life insurance policy investment
Life Markets: Trading Mortality and Longevity Risk with Life Settlements and Linked Securities (Wiley Finance)
A complete guide to longevity finance
As the Baby Boomer population continues to age and the need for the securitization of life insurance policies increases, more financial institutions are looking towards longevity trading as a solution. Consequently, there is now a need for innovative financial products and strategies that have the ability to hedge longevity exposure for pension funds, reinsurance companies, and governments. These products and strategies are currently being developed with the use of life settlements. Here, author Vishaal Bhuyan provides a complete guide to this burgeoning sector. In Life Markets, Bhuyan and a team of expert contributors from leading firms offer an extensive look at how to trade life settlements.
Provides practical guidance to the growing field of longevity finance
Outlines the innovative financial products that are populating this field
Highlights a safe haven for investors seeking returns in troubled times
Covering everything from the history of life settlements to making a transaction-pricing, service providers, exchanges, and more-this book contains extensive coverage of the many issues surrounding longevity finance.