In the wake of the worst stock-market performance in decades, there’s a drive under way to include a new type of product in 401(k) plans—an annuity-style investment that gives retirees guaranteed income for life.

A number of insurers, eager to grab a share of the baby-boomer retirement market, are introducing these new products for retirement plans. Besides the guaranteed income, proponents say these investments offer greater fee transparency and withdrawal options than traditional annuities and can even be folded into target-date mutual funds…

WSJ: Making Your 401(k) Last

Investment News: New York Legislature OKs bill regulating life settlements

Bankers are increasingly called upon to function as advisors and financial planners as well as traditional service providers. Life insurance can be an important addition to the array of products offered by licensed bankers and series 7 financial advisors, acting as a “protective wrapper” for savings, 529 plans, retirement products and debt…

BIC: Viewpoint: Untapped Potential in Life Insurance

Is the economy increasing insurance costs?

It’s no secret that the U.S. economy is still fighting its way out of a recession, and people without jobs or incomes sometimes do things that damage property. Can’t make payments on the car or house? Have the insurance company pay for it following a “accidental” fire. Also, there may be inflation creeping back into the economy, which would show up in higher replacement costs for homes. Whether or not that adds up to 65% more costs to Allstate is between Allstate and the Mississippi Department of Insurance.

Of course, the insurance commissioner is also in a tough position, because he can’t just tell every insurance company to cut prices (ask a Florida homeowner how that plan is working out) but is well aware of the unwelcome burden that higher insurance rates would bring to people who can ill afford it right now.

A surprising amount of work is still done by paper and it may take a push from outside the industry to change that, says Adam Bryan, DTCC managing director of insurance and retirement services. That push could be forthcoming in the state and federal regulation changes that are to be considered in the coming months. DTCC provides money settlement and information services for the financial industry…

FA Mag: Annuity Process Needs Streamlining

• Hiring managers say December is a great time to get a job - money.cnn
• SEC to consider putting an end to 12(b)-1 fees - investmentnews
• David Malpass: Near-Zero Rates Are Hurting the Economy - online.wsj

• Employment Report: 11K Jobs Lost, 10% Unemployment Rate - calculatedriskblog
• The Welfare State and Military Power - online.wsj
• Jobs Contract 23rd Straight Month; Unemployment Rate Drop to 10.0% - globaleconomicanalysis

• Senator Bunning to Bernanke “You are the definition of a moral hazard…” - globaleconomicanalysis
• Unemployment Drops Amazingly To 10%, NFP Down 11.000 Much Higher Than Consensus, 17.2% U-6 - zerohedge
• Broken Correlations - zerohedge

• Almost Creating Jobs! - forbes
• Early-Market Movers: Big Lots, Take Two Interactive - foxbusiness
• Coal Consumers Switching To Use Natural Gas (UNG) - businessinsider

• Japan Says It Has No Plans to Sell US Treasurys - CNBC - cnbc
• ICAP On The Correlation Collapse - zerohedge
• Seasonal Retail Hiring, Employment-Population Ratio, Part Time Workers - calculatedriskblog

BusinessWire: Suit Alleges $600 Million National Pre-Need Burial Insurance Fraud

PPI is the best indication of future Consumer Price Index, or the best measure of inflation, meaning rising prices. The CPI released last week hinted at least disinflation and possibly deflation, which is one of the worst things that can happen to an economy — its sustained contraction, when prices and wages fall hand-in-hand, as happened in the Great Depression…

WaPo: July Housing Starts, Producer Prices Down

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