Whole Life Insurance Planning

Sharing ideas amongst like-minded professionals

ENHANCING the CORNERSTONE of an INSURANCE PLAN

Seasoned policies act as the catalyst for optimizing both income and wealth transfer strategies. LIFE Brokerage has studied various opportunities to leverage your existing book of business to better serve your clients.

OUR PROCESS and WHY WE'RE DIFFERENT THAN THE REST

Policy Review Of Existing Contracts
•  Analyze policy performance
•  Analyze existing policy data for modern day features and benefits
•  Lower cost of insurance charges
•  Over loan protection rider
•  Chronic illness/long-term care rider

Industry Leading Max Blend Paid Up Additions Rider
•  Creates cash value in a hurry
•  Ideal for balance sheet sensitive clients
•  Ideal for premium finance cases (minimizes collateral) and reduced
   product performance risk

Cash Value Life Insurance Design for the Entrepreneur
•  Favorable borrowing terms
•  Non-direct recognition
•  Arbitrage alternative investments via policy loans
Decreased Dividend Rescue
•  “Boost” under-performing dividend yield on policies sold prior to 2008
•  Minimal impact to cash values upon transfer
•  Guaranteed income stream with upside potential
•  Introduce the opportunity to obtain higher yield without compromising
   principal

Policy Loan Rescue
•  Transfer loan via 1035 exchange
•  Implement an exit/buy-down of policy loan
•  Introduce more favorable loan terms

Policy Optimization via Reduced Paid Up
•  Preserve cash value
•  Redirect premium flow
•  Increase coverage amount at no additional cost

Annuitize Cash Values
• Seasoned policies
• Alternative surrender value
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