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... 
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... 
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... 
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)... 
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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