Miller, Anthony D.; Dreizler, Bob; Bleweis, Jefferey I.; Katt, Peter C.
January 2000
Journal of Financial Planning;Jan2000, Vol. 13 Issue 1, p14
Academic Journal
This article presents letters to the editor referencing articles and topics discussed in previous issues of the periodical. One of the readers commented on the article titled "New Versions of Old Tricks: Springing Cash Values," by Peter C. Katt, which appeared in the September 1999 issue of the periodical. Katt raises two issues: the continuous group plan is group-permanent insurance, not group-term, and the conversion policy has springing cash values. Regarding the first issue, the reader agrees with him that a permanent benefit is one that extends beyond the current policy year. However, when he writes that the continuous group policy will lapse if annual premiums are not paid, with no cash values available to the insured, he has acknowledged that the continuous group policy contains no permanent benefit. Annual premiums provide current term protection and nothing more. Therefore, the continuous group product is pure term insurance, not permanent insurance. Another reader discussed the article "One Profession, One Designation? How Valuable Are the CFP Marks Today?," by Bruce Most. Surely for the profession of accounting, the CPA designation is considered by the public as the minimum standard. Of course, there are enrolled agents and public accountants but the public generally does not lend significant credibility to any accountant who does not have the CPA designation.


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