Alternatives to annuities for seniors
[DOC File]Bills signed into law - California
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Prohibits certain types of advertising and sales practices when marketing annuity products to seniors, increases training required of insurance representatives, and prohibits the recommendation of annuities to seniors under certain circumstances in order to reduce …
[DOC File]financial exploitation of seniors
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Both are useful alternatives for management of property that can be set in place by the senior in the event assistance is needed in the future. The keys for effective use are: Appropriate choice of agent or successor trustee . ... Isolated seniors make better targets, particularly seniors who …
[DOC File]Eight-Hour Annuity Training Outline
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Any person or entity that is exempt from licensure is a direct response provider (Section 1725.5[h], 1749.8[d] of the CIC) e. Fines and penalty 2. Specific advertising to seniors (Section 787 of the CIC) D. Prohibited sales practices 1. Selling annuities for Medi-Cal eligibility (Section 789.9 of the CIC) a.
[DOCX File]NAIC Guidance Manual for Rating Aspects of the Long-Term …
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As a result, seniors have paid premiums for years only to see significant rate increases at the ages when they have increased need for the coverage. Seniors have often lost their insurability and cannot purchase another policy. Also, if a senior cannot afford the increase …
[DOC File]arizent.brightspotcdn.com
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Jan 27, 2020 · Complete details of any annuities you have – including what you make annually from it – what the investments inside the annuity are– what you are guaranteed – the penalty for terminating the annuity – and how long you had it – and the title of the account – is it within an IRA or other tax sheltered retirement account A financial ...
[DOC File]LYNN’S FIRST ROUGH DRAFT OF THE INSURANCE INDUSTRY …
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selling more annuities than insurance agents. ... mainly due to higher medical and prescription costs for seniors. Demand for Health Insurance Consumers place a high priority on healthcare today, and this segment is. ... consumers to annuities and other insurance products as alternatives.
[DOC File]I
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Another issue is possibly inappropriate sales of deferred annuities with surrender charges, essentially contracts designed to provide tax deferred savings for retirement, to senior citizens who are already retired and who are already in very low income tax brackets. Seniors sometimes invest their entire life savings in these types of products.
[DOC File]Withum
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Jan 28, 2021 · worksheet 15 - pensions and annuities. worksheet 16 – financial obligations. worksheet 17 - passwords. worksheet 18. – escheat or unclaimed funds request forms. worksheet 19 – warning letter to ira beneficiaries. worksheet 20 – how to protect your children against indentity theft. worksheet 21 - 10 non-tax reasons for estate planning
[DOCX File]Award Management Requirements Circular_5010-1E
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Expenditures are the sum of: (1) cash disbursements for direct charges for property and services, (2) the amount of indirect expenses incurred, (3) the value of third-party in-kind contributions applied, and (4) the net increase or decrease in the amounts owed by the recipient or subrecipient for goods and other property received, services ...
[DOC File]November 13, 2008
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Reverse Mortgages: Basics, Things to Consider, and Alternatives. By Shawna Reeves, MSW, Program Coordinator. Fair Lending Project for Seniors, Council on Aging Silicon Valley. 408-350-3229 / sreeves@scccoa.org A reverse mortgage is a loan against the equity you have built up in your home.
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