Life Insurance … A Good Asset
- Marvin H. Feldman
The Atlanta Journal-Constitution published an
article by M. Bryan Freeman andStephen B. Wilkins titled “Life insurance good asset for consumers.”
The article pointed out that “Life insurance may not be thought of as an asset class
because its buyers may not think of it as a flexible investment. That is, they expect
to lapse it, take a minimal cash surrender value payout or, of course, pass away
and leave the proceeds to their heirs.”
But it further points out that in today’s uncertain financial times, wealthy families
are purchasing life insurance “to generate the maximum amount of death benefit
with the most efficient premium stream.” They are not trying to grow cash value
but enhance the overall return on the fixed income portfolio. This strategy is a
buy-and-hold one with a long-term estate planning purpose.
Many people have experienced substantial drops in their investment portfolios
and pension plans. Supplementing these programs with life insurance to replace
the values lost is a very cost-efficient way to replenish these portfolios which
may otherwise never be rebuilt in the event of the death of the individual.
Contact Hayden Childs, agent to learn how inexpensive this asset replacement
option may be for you.
(205) 269-1382
Shcmail34@yahoo.com
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