Policy Check


If you’re reading this article, you have most likely taken a great first step in protecting yourself and your family – obtaining a life insurance policy.  First off, congratulations on acquiring a life insurance policy to keep your family or business financially secure.  During the life insurance buying process, you probably went through basic questions.. More

Over the last 10 to 15 years, both the expense and mortality costs for life insurance policies have dropped. The mergers and acquisitions within the life insurance marketplace have affected expenses within the policy, which includes all of the costs of issuing a policy. This has created a much more efficient marketplace, as technology and.. More

Over the course of the last 30 years or so, the interest rates credited to permanent life insurance policies for the most part have dropped. When the companies introduced their Universal Life Insurance policies in 1984, the interest rate was almost 12%; since that time, the current interest rate has dropped. Today the current rate.. More

There are three major factors that affect the performance of a life insurance policy:   The first is the interest rate return on the underlying investment that provides the cash value in the policy. In Universal Life (UL) and Whole Life (WL) policies, the investment account is an insurance company-directed investments. As you can see.. More