12903 Alcosta Blvd Suite C, San Ramon, CA 94583
By Appointment
Life Insurance Questions for Your Salesperson
- Are the Premium amounts quoted in the illustration Guaranteed?
- Are Policy Guarantees based upon a Guaranteed Rate or a Guaranteed Dollar Amount?
- Does the illustration GUARANTEE that the Death Benefit will be paid regardless of how long I live?
- Can I use the policy for a Guaranteed Wealth Replacement Trust to take advantage of maximum cash flow strategies such as CRT’s, Pension Maximization, Asset Paydowns, Legacy Planning, etc.?
- Do policy loans jeopardize the Death Benefit Guarantee? If so, how?
- Do changes in premium payments jeopardize the Death Benefit Guarantee? If so, how?
- What is the Minimum Premium Amount to keep the Guarantees in place?
- At what point will the policy become self-funding, with no further out-of-pocket premiums required?
- What happens to an existing policy loan if the stock market fluctuates (especially down)?
- Is there a terminal illness rider on the policy? If so, how does it work?
- What is the current Participation Ratio? Is it guaranteed?
- What is the current maximum Investment/Index cap? What is the minimum Guaranteed Investment/Index cap?
- What is the current policy Loan Rate?
- What is the maximum Guaranteed Loan Rate?
- Does the policy have a “Direct Recognition” or “Non-Direct Recognition” loan provision?
- How does a policy loan affect the policy values?
- Will this policy replace another permanent policy? If “Yes,”
- How long will it take the Guaranteed Cash Value in the new policy to equal or exceed the Guaranteed Cash Value of the old policy with the same premiums?
- How long will it take the Illustrated Cash Value in the new policy to equal or exceed the Illustrated Cash Values of the old policy with the same premiums?
- How long will it take the Guaranteed Death Benefit in the new policy to equal or exceed the Guaranteed Death Benefit of the old policy with the same premiums?
- How long will it take the Illustrated Death Benefit in the new policy to equal or exceed the Illustrated Death Benefit of the old policy with the same premiums?
