Insurance Policy Management 2011-04-01Insurance Policy Management 2011-04-01

Charles L. Ratner

Among other perplexing issues facing clients these days is what to do with life insurance policies that are calling out for attention, sometimes very loudly. Clients might be hearing that they need to increase their premiums to support the death benefit. Or, they're being told that they need to extend liberally the number of years that premiums will be required before their policies are self-sufficient. Many are finding that their latest policy illustrations are projecting significantly less death benefit than they were anticipating for income replacement or estate liquidity needs. Others are seeing projections of far less cash value than they had been anticipating and planning on for retirement. As a result, a lot of pe...