Advising individuals, families, and business owners on their existing permanent life insurance coverage continues to be challenging. In fact, I just hung up...
The Problem With Some Life Insurance Carriers…
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Life Insurance Policy Review
A life insurance policy review is the process of reviewing existing coverage to determine if the coverage is performing as originally intended.
The Importance of Life Insurance Policy Reviews
A life insurance policy review is an important process that will help you understand your current coverage and make sure it still meets your needs. While...
Life Insurance and Mortality: What Life Insurance Carriers Don’t Want You To Know!
There are certain inevitabilities in life. Like it or not, one of them is death. When our own mortality comes into question there are always challenges and...
[Case Study] How Crediting Rates Can Adversely Impact Life Insurance Policy Performance
In 2008, Michael sold his successful manufacturing company at the age of 52. As a result of the sale, Michael was able to retire and enjoy the finer things in...
Low Interest Rates Causing Permanent Life Insurance (Universal and Whole Life) to Massively Under Perform
Crediting rates and dividend rates on permanent life insurance policies are at all-time lows and will likely continue to decrease. An underperforming life...
How Your Permanent Life Insurance Policy Could Terminate Before You Die and What You Can Do to Stop It From Happening
Purchasing life insurance coverage is important for many people. It helps protect against the financial loss of a loved one, provides liquidity for estate...
Northwestern Mutual Struggles Continue – Should Policy Owners be Worried?
Northwestern Mutual announced on January 26, 2017, they will be laying off hundreds of employees by March 31st. The company’s chief investment officer told...
What The Northwestern Mutual Dividend Rate Reduction Means For Policyowners
On October 26, 2016, the CEO of Northwestern Mutual announced a 45-basis point dividend scale interest rate reduction to its policy owners. This reduction...