Information on No-Load / Low-Load Insurance

No-Load / Low-Load Life Insurance:

The first thing to understand is that these products were designed for the fee-only or fee-based advisor to present to the client. Therefore, you will be paying a fee instead of commission for design and implementation of the policy. Fees will vary, depending on the work involved, complexity of the case, and other factors. However, the fee is fully disclosed and is usually much less than the commission on a comparable policy.

This policy has no surrender charges, wide flexibility of premium design, full disclosure of premium breakdown and costs, first year cash values that could exceed premium, and total control by the client.

The use of no-load/low-load can also be applied to Estate Planning, or Business Planning; Such strategies as family split dollar can be very rewarding.

For those who may own a business, creative strategies with no-load insurance in the area of Key-Person insurance, Buy & Sell Arrangements, and Deferred Compensation will astound you.

In July 2010 a Financial Reform bill had been passed in Washington, and regulators have been summoned to issue guidelines and conduct studies for common fiduciary standards for the benefit of the consumer. This includes full disclosure, client best interest, transparency, etc. New rules are shaping a new industry.

Call our toll free number at (888) 854-0931 for more information.

If you haven't yet done so, you should visit the following links: Advantages of No-Load / Low-Load Insurance and FAQ's

Thank you for your interest in no-load / low-load life insurance.