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Brad Ballard
- Male
- Studio City, CA
- United States
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and another reason to transfer to a new policy so all of that cash value doesn't get eaten away
A good source of finance for business owners when banks tighten the credit.In fact I have asked some of clients to use the polices towards working capital requirement.
exactly, today's policies have been rebuilt to reflect the longer life expectancies and the no lapse protection rider is key in today's economy
I recently (within the past year) went to a seminar that talked about how the life expectancy tables had expanded and the life insurance rates had cheapened. Definitely worth it to at least investigate for yourself and your clients.
If you have clients with universal life insurance, there's probably a 90% chance that they can save money. Older policies (pre 2008), not that old, were good at accumulating cash value but bad at guaranteeing a death benefit. Your client who has a u…
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Profile Information
- Company Name
- Progressive Planning, Inc.
- About Me
- Insurance Broker helping individuals and small business owners and executives with life insurance, health insurance, property & casualty insurance, business insurance, disability, long term care, annuities and more.
Recently, I've saved a lot of clients an average of 40-75% of their annual premiums for universal life insurance by transferring their tax-free cash value from an old policy (2 years or older) to a new, guaranteed universal life policy.
- How did you hear about MyAccountingLife.com
- Harvey Goldstein
- Which other online communities do you actively participate in?
- LinkedIn, Trust Link
- What are you interested in being contacted for?
- I'm always interested in partnering with other professionals to give my current and future clients the best service possible from multiple specialists. I'm open to review yours or your clients life insurance to see if your family, business or charity is protected with the best policy available. Not many people really enjoy talking about life insurance but most people feel really good when they know they are well covered. I never charge any fees so it doesn't cost anything to use my services.
I'm also open to providing a complimentary group health analysis to make sure you or your company has the best plan for both your company and your employees. My specialty is with small groups between 2-50 employees and I've been able to save employers thousands of dollars a year by setting them up the right way.
I'm more than happy to help anyone out in the community if I can so please contact me with any questions that you may have.
Brad Ballard's Blog
Increase cash flow by "refinancing" life insurance
If you have clients with universal life insurance, there's probably a 90% chance that they can save money. Older policies (pre 2008), not that old, were good at accumulating cash value but bad at guaranteeing a death benefit. Your client who has a universal life insurance policy is in a great position to transfer the cash value of that policy to a new, guaranteed universal life policy for a fraction of the cost. I'm saving my clients an average of 40-75% on their annual premiums with the death b… Continue
Posted on August 3, 2009 at 3:59pm — 4 Comments
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