The Cash Value Transfer: Understanding Life Insurance Policy Riders (LPRs) Life Insurance Policy Riders (LPRs) are an innovative tool used in some estate planning strategies, allowing the policyholder to gift the cash value of a…
The Term-to-Permanent Conversion: A Guide to Calculating the New Premium While the guaranteed convertibility of term life insurance is a major benefit, understanding how the new permanent policy premium is calculated is essential for financial…
Whole Life's Estate Equalization Strategy: Fair Distribution of Illiquid Assets In estate planning, **Estate Equalization** is a key strategy where Permanent Life Insurance is used to ensure that all heirs receive an equal share of…
Adjusting the Death Benefit in IUL: Managing the Guideline Premium Test Indexed Universal Life (IUL) policies are highly flexible, but adjusting the death benefit requires adherence to complex IRS rules designed to maintain the policy's…
Comparing Whole Life Dividends and S&P 500 Index Returns: A Historical Look Investors often compare the returns of a Whole Life policy (primarily derived from non-guaranteed dividends) against the volatile but high-potential returns of the…