Illustrating the plan design

By Steve Savant

Designing life insurance proposals has become a financial art form of minimizing the mortality costs during the contribution/ accumulation period and policy loan provisions with strategic withdrawals to basis during distributions at retirement. Included with the managed design is the addition of the internal rate of return on cash values and the current company expense report.

Today on the Business Insurance Zone, national insurance columnist Steve Savant and cohost Eric Palmer discuss the actuarial design features and their retirement architecture format for the potential of real returns in retirement.