2005 07 - JFSP - Guesses, Projections, Promises and Guarantees, Journal of Financial Service Professionals, by Lawrence J. Rybka, J.D., CFP® - 11p
2019 10 - NAEPC JOURNAL - How to Retire in the Magical Retirement Income in the Clouds, Issue 32, by Lawrence J. Rybka, J.D., CFP® - 11p
2019 0529 - Joseph Belth - No. 314 - Indexed Universal Life Policies—The Views of Two Prominent Professionals About the Risks for Buyers - [Lawrence Rybka and Richard Weber] - [link]
2020 02 - VALMARK - Life Insurance In The Client’s Best Interest: Seeing More Clearly in 2020, by Lawrence J. Rybka, JD, CFP® - 11p
If there is a dispute on how a policy was supposed to work or the benefits that were to be provided, it is the policy contract language that controls it, not sales materials or representations by the agent
2021 - Retirementincomejournal.com - Life Insurers face “The Great Call”: Larry Rybka[link]
Description: It is no secret that the press of low yields is forcing additional restructuring moves on life insurance companies. In this video, I comment on both Allstate’s retreat from the U.S. life business and the demutualization and sale of Ohio National.
These recent transactions raise questions for the industry about which companies will put in enough “chips” to stay in the life insurance game...
2022 1122 - Forbes - The Dirty Secret of Life Insurance Quotes, by Cameron Huddleston and Amy Danise - [link]
If you’re shopping for a cash value life insurance policy such as universal life or whole life insurance, buyer beware: The life insurance quote you get might be a lot lower than what you’ll actually have to pay. And what you must pay could dramatically increase over time.
In early 2020, Rybka, Flagg and 10 others sent a letter of support for a proposal to the NAIC to limit what they saw as abuse of AG 49 and create more realistic projections for indexed universal life insurance in order to protect consumers. But the response Rybka said he got was that the NAIC was too far along in crafting its own fix to make a change.