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Sep 1, 2010 12:00 PM
Do Your Homework on Indexed Universal Life Insurance
Answer four key questions before combining this product with premium financing for your high-net-worth clients
The world of life insurance presents what feels like a never-ending array of products and choices. One of these emerging product structures, indexed universal life insurance (indexed UL), may be heavily marketed to your high-net-worth clients. Typically illustrated at rates higher than traditional policies, these indexed UL products appear to offer an opportunity to manage risk.
The value proposition seems simple, but proceed with caution: The mechanics of this product are complex and often not clearly articulated by those promoting this product structure. To help you determine whether to recommend indexed UL for your client, let's look at how indexed UL works, learn why it's important to carefully evaluate the sales illustrations promoting the product, evaluate the efficacy of combining it with premium financing and suggest questions for you as an advisor to high-net-worth clients to ask along the way.
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Topics of Interest
| Estate Tax | Donor Advised Funds |
| GSTs | Family Offices |
| Private Foundations | Life Insurance |
| 2010 Tax Act News | Industry Trends Surveys |
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