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Understanding Life Insurance and Rethinking Policy Management and Evaluation

Tuesday, July 14, 2020, 7:00 PM

Webinar - Once Registered you will receive a zoom invite 3 days out from the live event. About the program: With the advent in the late 1970s and 1980s of flexible premium, non-guaranteed universal life insurance, or any other policy whose performance is based on nonguaranteed elements, the risk of policy sustainability, performance and solvency was shifted from the life insurance carrier to the policy owner. Yet the nature of this risk shift, the risks assumed, the effect of volatility in investment returns, both for fixed accounts and equities, on policy account values, and the inadequacy of the traditional policy illustration tool to measure and account for these risks, is either, at best, completely misunderstood or, at worst, thoroughly ignored; resulting in policy insolvency and lapse. This is particularly a problem for trust-owned life insurance (TOLI) where the trustee is under a fiduciary duty to manage the risks and monitor the performance of the trust estate policy assets. This presentation will explore the risks in life insurance policies and provide a process for managing the life insurance policy risk, as well as the proper “dispute defensible” creditable evaluation of non-guaranteed life insurance policies, which accounts for policy return volatility and places a statistical confidence of probability on policy results. Passport - $0.00 NAIFA St. Louis Members - $0.00 Society of FSP Member - $0.00 Guests - $25.00

Cost: $0 - $25.00

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Ballwin, MO

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