Clients buy life insurance for a variety of reasons—to care for family members, to help transfer businesses, to cover estate taxes or other debts, to balance inheritances or even to enhance wealth transfer. When clients need life insurance, advisors often focus on the amount of the death benefit received in relation to the premiums paid. As a way to compare different policies and features, advisors often use the internal rate of return (IRR) a policy owner might receive at ...

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