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Advisors and consumers often think of variable universal life (VUL) as just an equity-linked product. But for many, VUL is much more than that.This article seeks to encourage a rethinking of VUL as a unique life insurance product that provides control, flexibility and transparency in a low cost product chassis, while providing the potential for enhanced returns through access to equity investment allocations.

This study by Crystal & Co is based on a survey of family enterprises and focused on how families think about certain areas of risk. One finding of the study reveals a significant disconnect between the strategic risk management planning conducted by family enterprise executives and the inclusion of the family itself. Overall, the study showed that most family enterprises are employing common practices and not best practices.

This article excerpt Atlantic Trust Private Wealth Management provides an overview of the most common security issues, provides points about bank security measures and offers 6 steps to mitigate online security risks.

Currency risk is a fact of life for European families. Today even the simplest diversified portfolios include foreign currency exposures. Many investors find it tempting to ignore currency risk, believing that it will all “even out in the end.” But this is not an option for most families who need to draw down funds from the portfolio to meet distributions to beneficiaries. Even for families with no current spending needs, it is still prudent to manage the portfolio’s currency exposures in line with its likely long-term liabilities.

Cybercriminals are increasingly targeting midmarket companies and startups in hopes of easy access. The cost to a business can be high, ranging from financial loss to reputational damage.

Finding the right insurance partners can be daunting. This paper highlights the various roles and responsibilities required to protect a financially successful family. From internal staff and external risk consultants to insurance brokers and carriers-these insights can help you evaluate each team member and build a highly effective team to best protect your family.

This paper highlights the complex risks faced by multi-generational families and demonstrates how proper risk management can successfully protect their wealth for future generations.

While everyone is at risk when it comes to hackers and online thieves, the wealthy are specifically targeted, and increasingly by aggressive and well-organized individuals. The good news is there is a lot you can do to protect yourself and your family. It won't take much time - most of the effort involves simple, common-sense steps - and the return on this investment, in terms of increased security and peace of mind, will be huge.

The paper discusses how many advisors and high net worth clients view life insurance as an expense as opposed to a dynamic asset that requires constant monitoring, analysis and periodic decision-making to give it the best opportunity to perform as it was intended. Included are some case examples of real life situations and once read can provide a guide to assist advisors and their clients in monitoring a misunderstood asset on their balance sheet.