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The interest rate yield on traditional fixed income investments, such as bonds, are at an all-time low. Consequently, there is decreased upside potential and a greater downside risk.
In this episode, David Cariani, CIO, is joined by Christopher Hyman, senior case designer at Centura Wealth Advisory, to discuss how life insurance can be a powerful alternative vehicle for fixed income investments. They also dive into the trifecta of benefits that it provides –– downside protection, high liquidity, and an attractive upside potential relative to investments with a similar risk profile.
David and Christopher discuss:
- How major banks have benefited from Bank-Owned Life Insurance (BOLI) investments
- Key considerations to keep in mind while selecting a carrier for the life insurance
- The eligibility criteria to invest in the Indexed Universal Life (IUL) insurance
- Potential issues that can arise while investing in life insurance and ways to deal with them
- And more
Related: The Potential Impact of New Tax Proposals on Capital Gains Tax and Estate Planning