Premium Finance for Life Insurance: A Guide for High-Net-Worth Individuals As a high-net-worth individual, you understand the importance of protecting your assets and securing your financial future. Life insurance is a crucial component of any comprehensive wealth management strategy, providing financial security for your loved ones in the event of your passing. However, the cost […]
Premium Financed Life Insurance: Solution for Frustrated Long Term Policyholders Premium financed life insurance has emerged as a viable option for policyholders, offering a way to improve policy performance and potentially save on out-of-pocket expenses. In a challenging environment of falling interest rates, many life insurance companies struggle to meet the expectations of their policyholders, […]
Life insurance is a crucial component of a comprehensive financial plan, providing protection and financial security for your loved ones. However, the cost of life insurance premiums can be significant, especially for high net worth individuals and business owners. That’s where premium financing for life insurance comes into play. In this comprehensive guide, we will […]
It has already been established that using the best premium financed life insurance policy will provide ultimate benefits to clients for Estate Planning and Asset Protection. The following article highlights the many benefits of using PFLI as well as a detailed example citing just how much an insurance policy could grow by using PFLI. Read […]
Many premium financed life insurance policies will require individuals to have liquid wealth or assets. These will be used as collateral when taking out a loan to fund the insurance policy. Most types of these programs are not advantageous, but there are a couple of Premium Financed Life Insurance program that offer a solid opportunity […]
A captive insurance company, often referred to as a “captive”, is a risk transfer entity and an alternative to the traditional commercial insurance and reinsurance markets. A captive is a privately held insurance company that is usually a subsidiary of the insured business. It issues policies, collects premiums and pays claims, just like a commercial […]
When planning for retirement and weighing the options of an FIA or an Equity Indexed Life Insurance policy, the EILI policy will often provide higher annual returns. This means that it will generate more money in retirement. Not only will the client benefit from increased income amounts, but the life insurance policy will also have […]
MEC rules have changed the way clients are able to fund a cash value life insurance policy. The following article discusses these new rules and examines how they have an effect on those who are trying to find a way to generate wealth in a tax free manner to be used in retirement. Fixed Indexed […]
For many years, policy holders have wanted to sell unneeded life insurance, via life settlement contracts, but this was done in a way that was not beneficial to the client or the advisor. A new method has been introduced which will mitigate abuse of the life settlement broker who may not fulfill his fiduciary responsibilities. […]
Warning: Some Life Settlement programs require the individual to be an accredited investor (definition: //en.wikipedia.org/wiki/Accredited_investor). If you are not an accredited investor, please stop reading immediately. Life Settlement Return Rates as high as 10-20% with No Stock Market Risk? No, this is not irrevocable trust asset protection. With the dramatic fluctuations that have occurred in […]