In order for fee-only advisors to truly be fiduciaries they need to utilize life insurance products that are in the best interests of the clients.
Life Insurance
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Investing in Life Settlements: Creating greater risk-adjusted returns and portfolio diversification through uncorrelated assets
Investing in uncorrelated assets like life settlements can provide greater portfolio diversification and returns than using low-yielding bonds in a rising interest rate environment.
Creating Tax-Efficient Investment and Estate Strategies for UHNW Clients through Private Placement Life Insurance (PPLI) in a Rising Interest Rate and High Tax Environment
RIAs can utilize PPLI to shelter otherwise tax-inefficient assets from income and estate taxation.
Utilizing IUL Policies to Increase After-Tax Portfolio Returns through Increased Equity Allocations while Minimizing Volatility
How IUL policies allow portfolios to increase after-tax returns through increasing the equity allocation of the portfolio while minimizing volatility.
Investing in Tax-Free Long Term Bonds without Interest Rate Risk Through Whole Life Insurance
Investing in tax-free long-term bonds with equity dividends and no interest rate risk through whole life insurance.
Investing in Tax-Deferred Long-Term Bonds without Interest Rate Risk through the Use of No-Commission Annuities
How RIAs can use no-commission annuities to invest in long-term bonds in a tax-deferred vehicle without interest rate risk
Life Insurance Is an Important Part of a Client’s Financial Plan: But Are They Spending More Than They Need to?
The goal of any comprehensive financial advisor is to help protect the financial situation of their clients and their families as the client ages. The financial advisor wants to ensure that when the client retires the client and their families are fully taken care of....
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 who already invest in U.S. Treasuries as part of their bond portfolio, properly structuring certain...
Life Insurance Policy Review Blog
As an actuary who helped to price and analyze policies for a large life insurance carrier, I quickly saw how policy owners end up getting the worst end of the deal. While agents can earn 80% to 100% of the first year premium that policy owners pay for a permanent 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...
How Low Commission Life Insurance Products Maximize Returns
By now we all now the problems with permanent life insurance: low returns and high premium costs. However, these poor returns are largely due to the large commissions paid to agents who sell these policies. In our previous post (see here) we discussed how most life...