Category: Evans Law Firm

ATTORNEY NEWSLETTER A Flawed Premise: Insurance as Investment What is Universal Life Insurance? Universal life insurance, and especially indexed universal life insurance, is one of the fasting growing segments of the life insurance market. As sales of traditional life insurance slow, something about indexed universal life insurance keeps it a […]

ATTORNEY NEWSLETTER New Developments in False Claims Act Cases As the end of a Supreme Court session rolls around, attorneys tend to take a moment to recoup, gather the decisions, and take a look at what new features have been added to the landscape of the law. This has been […]

ATTORNEY NEWSLETTER Protecting Elders with Memory Loss One of the most difficult aspects of aging loved ones is the onset of memory and cognition issues. While it may not impact all seniors, the majority have to deal with some level of dementia, Alzheimer’s or other neurological condition. For close family […]

ATTORNEY NEWSLETTER The New Landscape of Fee-Based Annuities As the Department of Labor’s new rule comes into effect, requiring insurance and annuity salespeople to act as fiduciaries, financial companies are scrambling to adapt. One way that some companies are trying to deal with this change is to find a loophole […]

ATTORNEY NEWSLETTER Prudential, Jackson National, and the future of the annuity As the Department of Labor requires more insurance brokers to act as fiduciaries, and as FINRA continues its investigation into variable annuities, it’s clear that the increased scrutiny is having a bit of a shriveling effect on the market […]

ATTORNEY NEWSLETTER SEC Whistleblower Program Awards The Securities and Exchange commission has just doled out it’s second-largest award ever, a whopping $17 million, to a Wall Street employee who provided insider information that helped advance an SEC investigation. Due to the nature of the investigation and the anonymity of the […]

ATTORNEY NEWSLETTER Opiods and Elder Abuse The opioid epidemic in America has brought about profound changes in many aspects of healthcare, the justice system, law enforcement, and mental health. As professionals from these areas try to cope with the extent to which opioids and opioid users affect their duties, it […]

ATTORNEY NEWSLETTER Rethinking the Conservatorship Model In California and many other states, a conservatorship or guardianship is essentially the last word in deciding who has the authority to manage an elder or dependent adult’s estate. There are different varieties, some temporary, some permanent, but they generally confer complete control of […]

ATTORNEY NEWSLETTER Reviewing the Variable Annuity Annuities are financial products that are often fraught with complications, miscommunications, and disappointment for policyholders. When seniors or retirees initially buy the product, they are generally expecting that the annuity will be both a sound investment and a means of providing stress-free guaranteed income […]

ATTORNEY NEWSLETTER A Shrinking Long-Term Care Insurance Market May Put the Squeeze on Policyholders Seniors and retirees who are looking into their insurance options for old age may have noticed a disturbing trend: Long Term Care insurance, designed to help the elderly afford costs like retirement homes, Continuing Care Retirement […]