


What Is A Whole Life Dividend, And Why Have They Been Dropping?
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
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...
This May Be Why Your Client Fails To Move Ahead With Your Solution
There is nothing more frustrating, no matter what business you are in, then to spend hours with a client or prospect you feel you have “sold” on your idea and then not have them move ahead. After all, you know your solution is right. Why don’t they? I recently came...
TOLI Trustees: Don’t Throw That Life Insurance Policy Away!
The Tax Cuts and Jobs Act Of 2017 signed into law by President Trump drastically limited the number of estates affected by federal estate taxes through raising the federal estate tax exemption from $5.49 million to $11.18 million. With the higher exemption it has...
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