Climate Change

, By Charles L. Ratner

By Charles L. Ratner

Today's investment and political climate is causing a perceptible change in the way many clients approach the role of life insurance in their financial and estate planning. I see clients aggressively reassessing their life insurance needs, whether those needs are for basic protection or preservation of an estate for the next generation.

Those reassessments are generally calling for more life insurance. But clients are more cautious in the amount they're willing to spend for the coverage and the extent of the commitments they're willing to take on for premiums.

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