Life Insurance Asset Management

{1:20 minutes to read} Many people are trying to manage life insurance policies, whether they’re policies on their own life, or policies in a trust for which they are a trustee. You have to make the best policy decisions. 

The analogy that we like to use is one that involves people in a bathtub. The water going in represents the premiums and earnings of a policy, whether it be interest or dividends. What comes out of the bottom of the drain is the cost for the insurance, the mortality charges, etc. As you get older those charges get higher and higher, which sometimes requires people to make some major decisions.

We help by providing these trustees, or the owners of these policies, a methodology to make the best policy decisions so that they can avoid paying too much and wasting premiums, or paying too little and having a policy that will not perform.

When it comes to an asset, whether it’s real estate or stocks, you definitely want to have it managed. But few consider the management of their life insurance assets, and sometimes it could be the difference between a very good rate of return on your policy, and a policy that will not perform.

For more information or to learn how to manage your own policies, give us a call and we will be happy to help. To learn more, click here.

Registered Representative offering Securities through American Portfolios Financial Services, Inc. (APFS) Member FINRA/SIPC. Investment Advisory Services are offered through G&G Planning Concepts, Inc. which is not affiliated with APFS. Strategic Wealth Advisors Network and Gassman Financial Group are not affiliated with APFS.

Any opinions expressed in this forum are not the opinion or view of American Portfolios Financial Services, Inc. (APFS) or American Portfolios Advisors, Inc.(APA) and have not been reviewed by the firm for completeness or accuracy. These opinions are subject to change at any time without notice. Any comments or postings are provided for informational purposes only and do not constitute an offer or a recommendation to buy or sell securities or other financial instruments. Readers should conduct their own review and exercise judgment prior to investing. Investments are not guaranteed, involve risk and may result in a loss of principal. Past performance does not guarantee future results. Investments are not suitable for all types of investors.

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