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You can reduce agents' commissions by 80% or more on "retail"
life insurance policies from the best companies. This significantly
improves policy rates of return.
See
article for details.
You should question life insurance policy illustrations for
both new and existing policies. They are often overly optimistic
and require an unbiased analysis.
See
article for details.
There is a very high risk that an existing permanent insurance
policy purchased in the last 20 years for estate and business
planning purposes will fall apart before the insured dies,
leaving nothing for beneficiaries. These policies require
an immediate review and possible restructuring or replacement.
See
article for details.
It is possible to make life insurance a very good investment
by minimizing commissions and other policy costs and by carefully
choosing a strong, competitive company. Policy rates of return
can be increased by 50% or more without changing the nature
of the underlying investment.
See
article for details.
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