 | 
|
- Change model premium to reduce unnecessary interest costs
- Pay off policy loan(s) in amount of ______________
- Obtain documents to assure policy is consistent with documents
- Change ownership
- Change beneficiary
- Increase premiums to avoid termination
Consider 1035 to new policy for following reasons:
Carrier
- Financials of carrier have been downgraded
- Issuing company has been sold/merged
- Performance history of carrier
- Carrier's treatment of old policy holders vs. new policy holders
Policy Underwriting
- Original policy employs obsolete mortality tables
- Original policy issued with ratings that may no longer apply
Contractual Provision/Options
- Policy designed to terminate prior to maximum life expectancy
- Policy conversion options (term) will expire
- Variable product portfolio lacks guarantee option
- Extended death benefit rider not available
Contact us for more information.
|
|
 |
