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Case Design From the Ground Up

Posted by: Jeff Reed on 5/29/2012 | 0 Comments
I was working on a case this week that involved a rather challenging set of circumstances:

* Healthy Clients (Preferred Nonsmoker), Male age 68, Female age 66
* $3.5 million Current Assumption Survivorship UL
* Current Premium of $18,250
* Current CSV of $285,000
* Duration of Guaranteed coverage - 11 years from today
* Duration of Projected coverage - 33 years from today

Doesn't sound too bad, right? One problem: they don't want to continue paying premiums. What does that do to the policy? Nine years of guaranteed coverage and 18 years of projected coverage. Not nearly enough...

Kestler Connection 5-29-12

Posted by: Kestler Financial Group on 5/29/2012 | 0 Comments

• Another Reason to Choose Wellness for Life®

• Aviva Webcasts for May

• Aviva Updates:

» May 2012 NAIC Suitability Training Deadline Update
» Aviva to survey agents about new product concepts
» Don't Miss BALIR™ Training Deadline!
» 2012 Summer Hours 

• Great American Life News: 
» Temporary Commission Decreases Effective Now
» Complete a LIMRA Survey on Recognition Programs
» Summer Hours & Home Office Closings

• Pass It On! - These are great articles to share with clients or fellow colleagues

• Weekly Economic Updates

View the full email here.

Categories: Kestler Connection

The Only Constant is Change

Posted by: Jeff Reed on 5/22/2012 | 0 Comments
What's changing? It's called Solvency II, and when it eventually makes its way over to American shores, it is going to have a very, very large impact. Solvency II, which goes into effect in Europe in 2013, is roughly equivalent to the stress testing process that US banks have recently endured, applied to insurers. It represents a major departure from current reserving requirements in the US and Europe: the underlying rate of return assumptions a carrier can use when pricing product under Solvency II is a 1% rate versus 4% or higher on current US and European product. If you are asking yourself why this matters now if it does not go into effect in Europe until next year and its arrival in the US is purely speculation, just keep reading...
Categories: Life/LTC

Kestler Connection 5-22-12

Posted by: Kestler Financial Group on 5/22/2012 | 0 Comments

• A "Must-Not-Miss" Webinar! Dominating the Reitrement Market Through Little Known Social Security Strategies & Techniques

• New! Aviva Connect

• Aviva Webcasts for May

• Aviva Updates:

» First Quarter Results: Increasing Our Sales, Strengthening Our Capital Position
» Sale to Military Personnel Disclosure Form Now Required in Virginia
» Don't Miss BALIR™ Training Deadline!
» Charging Fees Not Acceptable
» Aviva USA survey reveals relationship between financial concerns and health for women

• Pass It On! - These are great articles to share with clients or fellow colleagues

• Weekly Economic Updates

View the full email here.

Categories: Kestler Connection

What Will Our Legacy Be?

Posted by: Jeff Reed on 5/15/2012 | 0 Comments
This week I am happy to introduce you to one of my colleagues as a guest columnist: Justin W. Smith. He has just returned from the annual AALU meeting, with the following perspective on our business...
Categories: Life/LTC
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