The ability to access the Cash Surrender Value (CSV) of a permanent life insurance policy via a **Policy Loan** is the definitive feature that transforms the contract into a highly efficient financial asset. Unlike conventional…
The **Internal Rate of Return (IRR)** is the single most accurate metric for evaluating the true economic performance of permanent life insurance. However, the analysis is incomplete without dissecting the policy’s performance into its dual…
The management of life insurance, particularly large-face-amount policies held within complex structures like **Irrevocable Life Insurance Trusts (ILITs)**, transcends simple salesmanship and enters the realm of **fiduciary duty**. A fiduciary is legally and ethically bound…
Permanent life insurance is unique among financial products because it carries an inherent, legally mandated value that cannot be forfeited, even if the policyholder ceases paying premiums. This principle is codified through **Non-Forfeiture Options**, which…
Corporate-Owned Life Insurance (COLI) is a sophisticated financial mechanism where a business entity serves as the owner and beneficiary of a life insurance policy insuring the life of an employee, executive, or key person. While…