Planning Trends Relating to the Demise of DOMA
As states began to legalize same-sex marriage in the early part of the twenty-first century, an inevitable conflict arose with … Read more
Current Assumption Whole Life Insurance
Planning Trends Relating to the Rise of ATRA
For over twenty years, from 1987 through 2003, the federal estate and gift exemption remained relatively unchanged (gradually increasing from … Read more
Our Experts Explain the “Redetermination Period” Clause Within Current Assumption Whole Life (CAWL) Insurance Policies
Often insurers initially configure CAWL to resemble a traditional whole life policy with level premiums payable for life or as … Read more
What Current Assumption Whole Life (CAWL) Insurance Proposals and Ledgers Do Not Reveal
It is important to know what Current Assumption Whole Life (CAWL) Insurance proposals and ledgers do not reveal. Insurance companies … Read more
Facts to Know about the Net Investment Yield with Current Assumption Whole Life (CAWL) Insurance
Over the long run, insurance companies cannot credit more interest to policy cash values than they earn on their general … Read more
Mortality Charges within Current Assumption Whole Life (CAWL) Insurance
A CAWL contract explicitly states the maximum mortality rates it will charge for all ages and guarantees that mortality rates … Read more
Expense Charges within Current Assumption Whole Life (CAWL) Insurance
Principally two elements comprise the expense charge: (1) a fixed annual fee, plus (2) a percentage of premiums paid. The … Read more
4 Key Factors in How Life Insurers Credit the Accumulation Account in Current Assumption Whole Life (CAWL) Insurance Policies
Selecting the best cash value life insurance policy is a difficult task involving a number of complicated concepts and analyses. … Read more
How to Read and Understand a Current Assumption Whole Life (CAWL) Insurance Proposal Ledger
It is important to understand your Current Assumption Whole Life (CAWL) Insurance Proposal Ledger. The principal source of information regarding … Read more
Our Experts Reveal 8 Different Methods Life Insurers Use to Credit Interest on Current Assumption Whole Life (CAWL) Insurance
All CAWL policies, just like other types of cash value policies (except variable life), have a guaranteed minimum interest rate. … Read more