2021 1013 – Retirement Planning Education / [Andy Panko] – Cash Value Life Insurance as a Retirement Income Tool (Facebook Live, October 13 2021) – [Chris Kirkpatrick-LIFE180] – [VIDEO-YouTube-01:10:58] 2021 1013 – Retirement Planning Education / [Andy Panko] – Cash Value Life Insurance as a Retirement Income Tool (Facebook Live, October 13 2021) – [Chris…

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Level Premium Whole Life Policy Without Cash Value Referring to Mr. Hutchison’s comment about the self-induced cash value fetish I wonder if he is really referring to the self-induced guaranteed cash value fetish. Many years ago life companies in the U.K. offered a level premium whole life policy without cash value, as Mr. Gustafson has…

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Universal Life – Cash Value 1996 – AP – Determinants of universal life insurance cash values, by James M. Carson, Journal of Risk and Insurance (Vol. 63, Issue 4) – <JSTOR-?> 1997 – JIR / NAIC – An Analysis of Life Insurance Illustrations: Regulatory Implications of the Disparity between Policy Yields Based on Illustrated Versus…

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No Cash Value Plans 1989-1, NAIC Proceedings Non-Forfeiture ACLI Canada One of the ideas that people have considered for life insurance is to have life insurance without a cash-surrender value, but a nonforfeiture value, either reduced, paid-up, or extended-term insurance, that would in some way make life insurance and annuity standard nonforfeiture a little bit…

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Cash Flow The cash flows of a policy are defined by the Society for this purpose as “the actual transfer of funds between the policyholder and the insurance company in either direction, and includes premiums, dividends, cash values and death benefits.”  Actuaries Report, supra n. 33, at 6. So what I am saying is that…

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AIG – Securities Lending – Building Up Cash The Texas regulator grew concerned about the exposure in 2007. At the time, AIG told Texas it recognized that it needed to retain more cash, Mr. Slape said. 2008 1008 – WSJ – AIG Increases Borrowings While Racing to Sell Assets – [link] AIG – Mark Hutchings -…

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Cash Value Life Insurance – Confusing Cash Value Gary Sanders (National Association of Insurance and Financial Advisors—NAIFA) agreed that use of the term “cash value” was confusing. 2017 0217 – NAIC – LIBG WG Conference Call (p66) – Statement James Collins (R-TX) – Much misunderstanding of cash value life insurance has been caused when people…

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Policy Mechanics / Cash Flow Elements – Walker v LSW (p171) – The fact that we charge people fees that we have disclosed and that fees reduce the value of your policy, and if your policy keeps reducing in value, it will lapse, is not a fraud. That’s common sense. That’s how life insurance works. 2014…

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