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Trust & Estates Report - Insurance

Highlights
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Term Insurance
Apr 03, 2017
As long as the insured pays the premium, the policy remains in force.
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Cash Value Policies
Apr 03, 2017
Planners can add great value to their clients by helping them identify the characteristics of a policy or policies that they feel would be appropriate for them over the long term.
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WL
Apr 03, 2017
Traditional WL is so named because premiums are payable for the insured’s whole life.
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WL/Term Blend
Apr 03, 2017
This type of policy blends a base of WL with a term insurance component.
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CAUL
Apr 03, 2017
CAUL is the quintessence of flexibility.
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GUL
Apr 03, 2017
Flexible like CAUL, offering also a secondary guarantee.
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EIUL
Apr 03, 2017
EIUL takes another step by offering the opportunity to participate in the equity markets with upside limits and downside...
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VUL
Apr 03, 2017
VUL is a flexible premium policy that allows the policyholder to direct the investment of the cash value among separate...
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Practical Application
Apr 03, 2017
An estate planner should be able to field these inquiries on at least a structural basis.