التفاصيل البيبلوغرافية
| العنوان: |
How Have Premium-Financed Indexed Universal Life Insurance Sales Strategies Performed? |
| المؤلفون: |
Richards, Douglas B. |
| المصدر: |
Journal of Financial Service Professionals; Nov2023, Vol. 77 Issue 6, p43-52, 10p |
| مصطلحات موضوعية: |
LIFE insurance, LIFE insurance policies, INTEREST rate forecasting, REPAYMENTS, LIFE insurance companies, INTEREST rates, LOANS |
| مستخلص: |
In this third and final article, foundational elements of a premium-financed indexed universal life insurance sales strategy will be explored through a series of forecast outcomes. Foundational elements include indexed interest crediting rates, loan interest charges, and the amount and timing of borrowed funds. Determining appropriate indexed interest rates to illustrate using life insurance company software will be informed by historical cap and participation rates. Determining appropriate loan interest rates to forecast will be informed by historical 12-month LIBOR rates. Given that the dominant theme of these articles is to explore what it means for a financial service professional to act ethically and responsibly within the context of premium-financed indexed universal life insurance sales strategies where the insurance policy is viewed as the sole source of loan repayment, it is hoped that the financial service professional will gain a better understanding of how to talk about and present such strategies so that their clients have a more complete perspective when deciding whether to adopt this type of strategy and, if so, in what manner they should proceed. [ABSTRACT FROM AUTHOR] |
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| قاعدة البيانات: |
Complementary Index |
