Don’t Waste the Basis

Speakers: Curtis V. Cloke, CLTC, LUTCF, RICP

Year: 2018



This session is a discussion of the multiple methods of recovering lost basis of Life Insurance Policies that are either being replaced, exchanged or surrendered. Policies issued in the early 80s thru the 90s were non-guaranteed ULs and VULs that are now running into major head winds. The illustrated rates on these old policy are not sustained due to lower interest rates and higher than expected COI charges. Many policy holders are getting notices about these policies longevity. Many agents are replacing these policies for still insurable clients with secondary guarantees and for the uninsurable, many are surrendering these contracts or selling them to life settlements. There might be a better option…..Basis Recover Strategies. Come listen to one of the foremost experts on basis recover strategies, and learn new methods to creating valued multiple sales of bigger life cases in combination with annuities.

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