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COST / BENEFIT ANALYSIS
For the same premium it may be possible to:
- Increase coverage
- Provide greater income benefits
- Increase available cash withdrawal
- Improve cash value
- Maintain coverage for more years
- Reduce risk of termination
STRUCTURING ALTERNATIVES FOR TAX BENEFITS
Distribute or buy policy from:
- Current Owner
- Trust
- Corporation
- Qualified Plan
Change:
- Change Payor
- Change Beneficiary
- Change Owner
- Consider Premium Financing
APPROPRIATENESS OF COVERAGE
Consider Replacing:
- Fixed Product
- Survivor Product
- Variable Product
- Term Product
POLICY PERFORMANCE
- Policy termination date, based on policy guarantees
- Policy termination date, based on current rates
- Termination of policy will result in taxes due
- Expiration of conversion option on term insurance
- Coverage termination date, if all premiums are paid
- Variable policy portfolio needs review of asset allocation
- Amount of premium increase required to maintain coverage
Contact us for more information.
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