"Firms must make their own decisions on the business models," Huang says ... New developments within the insurance industry mean fee-only financial advisors may hold certain annuities at their ...

After a pair of life insurers sued AM Best last year in response to a planned downgrade of their financial ratings, concerns quickly followed.

"Many different business models exist in today's evolving ... The comprehensive financial planning process includes an insurance review. Sometimes the planner finds that clients are over-insured ...