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Indexed universal life is one of the insurance industry's hottest products, but regulators worry insurers are underplaying the dangers of a product tied to the performance of the U.S. stock market.

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After a mixed year for retailers, expect the sector to get even more competitive in 2020 as the industry faces major shifts in technology, shopping habits and demographics.

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A new online tool from the government can help you make sure a loved one finds the safest nursing home. It's a good start, but you may want to dig even deeper. Here's how.