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Policy owners must avoid projecting today's economic environment forward for an extended period, causing them to choose products that lock in long-term mortality and interest rates. Such a move not only virtually ensures long-term underperformance but also sacrifices the flexibility necessary to take advantage of conditions as they change.

In light of the current environment, it is easy to lose sight of the proven policyholder protections that the life insurance industry continues to provide, including regulatory and third-party oversight, as well as mechanisms to support policyholders of troubled companies.

Wealth advisors have a fiduciary responsibility to not only provide clients with unbiased, trusted advice but also to protect the information they deem most important. Clients’ privacy and, more importantly, peace of mind are at risk if advisors do not address and increase their security protocols and procedures.

Portfolio volatility needs to be considered in making asset allocations at a given level of risk, and that volatility can take on extreme values that depend on the volatility of volatility, or vovo. This paper from the National Association of Active Investment Managers explores vovo-related concepts and offers insights on tactical asset allocation.

Globalization has increased growth opportunities not only for companies but also for those in the business of kidnapping for ransom. The key is to prepare for dangers both at home and abroad and to assess readiness for a complex resolution process if a kidnapping should occur.

It is increasingly common for estate planning attorneys to reduce estate taxes on tangible property by transferring ownership of that property from an individual to a trustee of a trust. However, this strategy can expose an entire estate to some serious potential uninsured claims.

Social media is fun. It can create communities and even revenue streams for businesses. However, risks abound. Understanding one's personal responsibility and liability is essential to remain safe in online interactions.

This paper highlights the concentration risk embedded in traditional portfolios, describes a simple risk parity strategy and demonstrates its out-performance over nearly four decades, and then delves into the more advanced portfolio construction and risk management techniques used to implement risk parity portfolios.

Be sure that your heirs have the information they need to access your online accounts.

In the post-Madoff era, the foundation and non-profit sector continues to struggle with how to invest philanthropic assets most appropriately and how to ensure that boards and staff are managing investments prudently.

Understanding the exposures involved with direct private equity investing as well as the insurance solutions to address those exposures is essential when implementing a direct private equity investment strategy for family offices.

Home networks, social media and mobile devices have enriched our lives in many ways, but they have also multiplied the opportunities for security breaches. Families, especially those of substantial means, need to carefully evaluate the precautionary measures and protocols that protect their cyber environments.

SmartLife Funding dynamically manages life insurance by aligning the funding strategy with the insureds health profile to target the optimum period of coverage.

Volatile financial markets can create potential problems for investors and their advisors. While many expenses are generally fixed, assets designated to fund expenses may increase or decrease in value. In a worst case scenario, managers may have to liquidate assets at potentially “distressed” levels to meet these obligations.  This paper reviews a ...

For many private collectors of fine art, lending artwork from their collection to a museum or cultural institution is a highly valuable and meaningful experience. For the good of the arts, it is very important that collectors continue to loan, but for the protection of collectors, it is also important that the financial value of the artwork be full...