5 Steps for Wealth Advisors Acting as a Life Insurance Trustee

5 Steps for Wealth Advisors Acting as a Life Insurance Trustee

by Michael Brohawn | Apr 12, 2021 | Policy Management, Wealth Advisor Resources

If you are a Financial Advisor, Attorney, CPA, or other Professional who has taken on a life insurance trust for profit or accommodation, read on…. Most poeple do not know it, but non-corporate trustees like you oversee almost 80% of trust-owned life insurance. You...
Would you put unlimited cash into a fund that guaranteed a 4% return?

Would you put unlimited cash into a fund that guaranteed a 4% return?

by Michael Brohawn | Mar 15, 2021 | Life Insurance Strategies

Back in 2018, I came across a Canadian universal life policy policy that paid at least a 4% guaranteed return on policy cash value.  The kicker – in the US, you are limited by tax law as to how much can be put into a life insurance policy – in Canada that was not the...
TOLI Trustee Alert: Oops, the Life Insurance Policy Lapsed…What Next?

TOLI Trustee Alert: Oops, the Life Insurance Policy Lapsed…What Next?

by Michael Brohawn | Feb 15, 2021 | Policy Management

A Trustee’s most common fear is that a ball drops, and a policy in their care lapses. Unintended lapses do occur, and when they do, knowing how to fix the problem is essential. In this post, I will provide some guidance. Policy lapse can occur when the premium...
What Is A Whole Life Dividend, And Why Have They Been Dropping?

What Is A Whole Life Dividend, And Why Have They Been Dropping?

by Michael Brohawn | Nov 23, 2020 | Wealth Advisor Resources

Whole life insurance is considered the “most expensive” life insurance you can purchase – at least initially. The policy provides significant guarantees.  If the premium is paid in full each year, the policy is guaranteed to endow (cash value equal to death benefit)...
What Low Interest Rates Mean For Life Insurance

What Low Interest Rates Mean For Life Insurance

by Michael Brohawn | Nov 13, 2020 | Wealth Advisor Resources

An article in the Financial Times announced, “profoundly low interest rates are here to stay,” which should cause investors to “recalibrate” assumptions with their investments. (1) On July 31st the Federal Reserve lowered interest rates for the first time since the...
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  • 5 Steps for Wealth Advisors Acting as a Life Insurance Trustee
  • Would you put unlimited cash into a fund that guaranteed a 4% return?
  • TOLI Trustee Alert: Oops, the Life Insurance Policy Lapsed…What Next?
  • What Is A Whole Life Dividend, And Why Have They Been Dropping?
  • What Low Interest Rates Mean For Life Insurance

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