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Policy Review
Policies that were illustrated to stay in force “forever” often lapse with no value.
According to the Society of Actuaries, sales of Variable Universal Life spiked
from $2B in 1996 to $4B in 2000. An independent study conducted by LIMRA
International in 2005 showed that these same VUL policies have experienced a
sharp increase in lapse rates over the last several years.
In many instances, policy owners are forced to pay significant unplanned
premiums to keep their policies from lapsing.
According to the Society of Actuaries, sales of Variable Universal Life spiked
from $2B in 1996 to $4B in 2000. An independent study conducted by LIMRA
International in 2005 showed that these same VUL policies have experienced a
sharp increase in lapse rates over the last several years.
In many instances, policy owners are forced to pay significant unplanned
premiums to keep their policies from lapsing.
| Projected Results |
| Typical Results |
Non-guaranteed projections (in-force ledgers) currently provided by insurance companies have a fatal flaw; the projections, which show desirable
performance at 8-12% average rate of return, do not account for negative fluctuations in market performance that can be devastating to a policy.
A vast number of misinformed insurance representatives believe that these policies will always perform as illustrated. As a component of our Second
Opinion Estate Planning™ we have the software and capabilities to properly analyze your policies - and the likelihood that those policies will remain in
force for the desired period of coverage. Contact us for a free, independent third party analysis of your current policy.
performance at 8-12% average rate of return, do not account for negative fluctuations in market performance that can be devastating to a policy.
A vast number of misinformed insurance representatives believe that these policies will always perform as illustrated. As a component of our Second
Opinion Estate Planning™ we have the software and capabilities to properly analyze your policies - and the likelihood that those policies will remain in
force for the desired period of coverage. Contact us for a free, independent third party analysis of your current policy.
| Clients First Financial, LLC |
Our Advisors Average 19 Years of Experience and Integrity in Financial Services |
| Clients First Financial, LLC 72 Sharp Street, Suite A2 Hingham, MA 02043 All Rights Reserved |
| Questions? Please call us at (800) 593-2275 or e-mail us. |
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