Time for Tequila! The Incredibly Boring Details

Only an elite, experienced, caring, and highly trained insurance agent knows how to optimally structure a life insurance policy for cash value accumulation and retirement cash flow. Here are a few questions you may wish to ask your insurance agent.

  • What is the AM Best rating on the insurance company they are recommending?
  • What is the ownership structure of the insurance company, mutual, private, or public?
  • What are the historical rates of returns for various crediting methods offered?
  • What rate of return is being used for the illustration?
  • Does the illustration solve for a minimum but increasing death benefit?
  • Is this a maximally funded policy with provisions for  avoiding a MEC?
  • Does the policy allow for zero cost policy loans?
  • Does the policy allow for index or arbitrage loans?