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Blog : Universal Life

The Hidden Costs of Permanent Life Insurance

Why policy owners end up paying tens of thousands more than they need to Are Life Insurance Agents Making Recommendations In Their Client’s Best Interests or Their Own? For clients considering purchasing permanent life insurance, the options can be daunting. Life insurance policies address different client desires and understanding the choices available—and the total cost associated with each option—is critical to making a selection t...

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How to Structure Permanent Life Insurance to Surpass Buy Term and Invest Strategies

Buy term and invest the difference is your best bet when it comes to life insurance—unless you find the right product and fund it properly. For high net worth investors looking who already invest in U.S. Treasuries as part of their bond portfolio, properly structuring certain permanent life insurance products can yield higher returns with the same underlying risk. In the absence of finding a low commission product and funding it properly, b...

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