IBC Policy Design: Form Follows Function
IBC Policy Design should maximize capital accumulation without triggering MEC status. Base-to-PUA ratio, dividends, and term riders all determine the design.
Dividends in Whole Life Insurance: More Than a Return of Premium
A whole life dividend is a return of premium—and your share of company profits. Here’s how dividends work, what direct recognition means, and how to use them.
The Truth About Whole Life Insurance: Cash Value, Dividends, and What Critics Get Wrong
Whole life insurance cash value is the present value of a guaranteed future death benefit — not a side account. Here’s what the critics get wrong, and why.