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Case Study #3: Decrease Premium & Improve Rating - Life Insurance Owner Mistakes

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Life Insurance Owner Mistakes.com. What is an Audit? Case Study #3: Decrease Premium and Improve Rating. Retired couple owns Survivorship Whole Life policy held in an ILIT (Irrevocable Life Insurance Trust). Both had been previously issued with Standard Non-Tobacco rating. 4 million death benefit, including $973,000 of one-year term insurance. Cash Surrender value of $1,097,888. Annual Premium of $119,237. New premium of $24,187 (annual savings of $95,050). Same death benefit guaranteed to age 100.

lifeinsuranceownermistakes.com

Is your Life Insurance Policy going to last as long as you? - Life Insurance Owner Mistakes

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Life Insurance Owner Mistakes.com. What is an Audit? After 19 years in the life insurance industry, I have observed that many owners of in-force life insurance policies are not paying attention to what’s been happening to their policies. Many policies have not performed as originally projected because of the current low interest rate environment. Older policies are still charging the cost of insurance based on older life expectancy tables. What is the Best Life Insurance. When should I buy Life Insurance?

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When is the Last Time You Reviewed Your Life Insurance Policy? - Life Insurance Owner Mistakes

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Life Insurance Owner Mistakes.com. What is an Audit? When is the Last Time You Reviewed Your Life Insurance Policy? Life insurance is hard. It’s hard to know if you have the right kind. It’s hard to know if you have enough. And it’s hard to know if you need any at all. That is why it’s important for you to sit down annually with an insurance professional to review how your policy works and how it will help you to protect your family. When is the last time you thought about your life insurance?

lifeinsuranceownermistakes.com

The Process - Life Insurance Owner Mistakes

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Life Insurance Owner Mistakes.com. What is an Audit? A Life Insurance Audit provides you with a comprehensive evaluation of your life insurance coverage. You will be provided with:. An in-force authorization form to sign and return. A review of in-force ledger(s) obtained from current carrier(s). An investigation seeking possible improvements for your medical underwriting class based on your current health and recent medical underwriting reclassifications, ensuring proper policy expense management.

lifeinsuranceownermistakes.com

Fiduciaries - Life Insurance Owner Mistakes

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Life Insurance Owner Mistakes.com. What is an Audit? Reviewing trust owned life insurance policies can help protect fiduciaries from liability, and assure that a trust’s intent is carried out and solidify the advisor-client relationship. We partner with the professionals in the following fields in order to assure that our clients’ assets are passed on as originally planned:. What is an Audit? Fort Myers Web Design. By Impulse Creative Studios.

lifeinsuranceownermistakes.com

What is the Best Life Insurance - Life Insurance Owner Mistakes

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Life Insurance Owner Mistakes.com. What is an Audit? What is the Best Life Insurance. Man is Mortal. That makes life insurance a little unique and interesting, doesn’t it? We purchase things like health insurance, car insurance and home insurance, and then hope we never have a need to use them. Life insurance is different, because it’s a widely accepted fact that sooner or later, each one of us will die. But what’s the best type of life insurance to buy? And what are the differences? Many factors come in...

lifeinsuranceownermistakes.com

Request an Audit - Life Insurance Owner Mistakes

http://www.lifeinsuranceownermistakes.com/request-an-audit.html

Life Insurance Owner Mistakes.com. What is an Audit? To Request a Life Insurance Audit simply fill out this form or call 877-333-0490. For a no-obligation consultation that could yield some surprising results. What is an Audit? Fort Myers Web Design. By Impulse Creative Studios.

lifeinsuranceownermistakes.com

Case Studies - Life Insurance Owner Mistakes

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Life Insurance Owner Mistakes.com. What is an Audit? Case Study #1: Decrease Premium and Extend Guaranteed Coverage. 65 year old female owns a Universal Life Policy with a death benefit of $250,000. The annual premium was $5,842 with an assumed interest rate of 6.15%. Projected endowment at age 100 (death benefit cashed out to insured). Case Study #2: Policy Improvement. Insured husband and wife with Preferred Non-Smoker rating. 500,000 Survivorship Universal policy used for Estate Liquidity.

lifeinsuranceownermistakes.com

Free Life Insurance Information Blog - Life Insurance Owner Mistakes

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Life Insurance Owner Mistakes.com. What is an Audit? Free Life Insurance Information Blog. What is the Best Life Insurance. Man is Mortal. That makes life insurance a little unique and interesting, doesn’t it? We purchase things like health insurance, car insurance and home insurance, and then hope we never have a need to use them. Life insurance is different, because it’s a widely accepted fact that sooner or later, each one of us will die. But what’s the best type of life insurance to buy? Many factors...