The Use of Whole Life Cash Value in Long-Term Care Planning (The Asset Protection Approach) Beyond the specific LTC riders, the cash value of a Whole Life policy serves as a powerful component in overall…
The Dangers of Misrepresenting Health in a Permanent Life Insurance Application Applying for Permanent Life Insurance requires full disclosure of the applicant's medical history. Misrepresenting or withholding health information on the application is considered **material…
Comparing IUL Policy Riders: Annual Reset vs. Monthly Averaging Indexing Methods Indexed Universal Life (IUL) policies link their interest crediting to an external index (like the S&P 500) using specific **Indexing Methods**. The choice of…
The Use of Whole Life Cash Value in Divorce Settlements and Property Division In divorce proceedings, a Whole Life insurance policy is considered a marital asset due to its guaranteed Cash Value component. The policy's…
The Actuarial Concept of Mortality Drag in Universal Life Insurance In Universal Life (UL) and Indexed Universal Life (IUL) policies, **Mortality Drag** is an important actuarial concept that significantly impacts the long-term performance and growth…