Each Case Story presents a real life example of Life Insurance Property
Management in action.

Case Story #1: Overfunding
A rare but costly case solved by exercising the valuable property rights common to Universal, Variable and Whole Life Policies.

Case Story #2: Under Funding VUL
A very common issue addressed by exercising the valuable property rights common to Universal, Variable and Whole Life Policies.

Case Story #3: Portfolio Optimization
Despite the opportunity to include a wide range of different policy types – with different underlying asset characteristics and property rights – most portfolios contain only one policy type.

Case Story #4: Ineffective Underwriting Advocacy
The major cost component of life insurance is the risk classification assigned to the insured at the inception of the policy. It is critical to get it right the first time.

Case Story #5: WL Optimization #1: To pay or not to pay?
There is a common misconception that Whole Life policies are very simple and inflexible when in fact they are the most complicated policies we deal with because they have numerous, potentially beneficial property rights.

Case Story #6 WL Optimization #2: To repay or not to repay?
WL policies are among the most complicated policies we deal with because of their numerous and potentially beneficial property rights… including the right to borrow from the equity in the policy.

Case Study #7: Are you really paying too much?
For all Universal Life policies the premium is not the price of the policy. It is simply the funding arrangement necessary to get the policy started. The real price is hidden and extremely difficult to appropriately discern and compare. This is done by design.

Case Study #8: When is a guarantee not a guarantee?
Common misconception: Guaranteed Universal Life policies need no ongoing management. As long as the premiums are paid the death benefit is guaranteed… nothing can go wrong!