Determine Cash Value

Jan 15, 2008

  1. salpro22
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    salpro22 Guru

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    I came across this link at Clark Howard's website Evaluate Life Insurance.org

    Does anybody offer this type of service as a method to ramp up business?
     
    Last edited: Jan 15, 2008
    salpro22, Jan 15, 2008
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  2. moonlightandmargaritas
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    moonlightandmargaritas Guru

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    There's a whole company that used this type of methodology - A.L. Williams, n/k/a Primerica.

    Good idea, poor execution.
     
  3. James
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    James, Jan 15, 2008
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  4. JMO Fan
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    Hunt (Clark Howard's consulting actuary) & Peter Katt should both be pretty valuable resources. A note of caution: Linton Yield is not a bad method, but has been repeatedly rejected for regulatory use, because its results can be misleading for some policy comparisons. For example, if two policies have the same premium and 20th year cash surrender value, Linton Yield can be higher for the one with lower interim cash values.

    The basic flaw, of course, is that this views life insurance primarily as an investment vehicle, not a protection provider.
     
    JMO Fan, Jan 16, 2008
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  5. James
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    Obviously anything that builds value has to be viewed as a Investment to one degree or another. Some people view the purchase of Gold or other precious medals as protection, yet it still an investment. In either case the investment is at the heart of the protection.
     
    James, Jan 16, 2008
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