Tom Henske | The Affluent Insurance Advisor | Creating Wealth Through Insurance

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Mailing Address
The Affluent Insurance Advisor
Thomas Henske
606 Post Road East
Suite 702
Westport, CT 06880

Telephone
1-203-557-4020

E-Mail
thenske@theaffluentinsuranceadvisor.com

What is the purpose of our life insurance portfolio?

Are we trying to protect the short or long term? Or both?
Is our family need just to protect our "roof over head" or is there longer term legacy and tax planning that should be thought through?

How should we choose the amount of death benefit we desire?

How much total death benefit do I need today?
Should that death benefit amount need to rise over time?

What factors go into the pricing of life insurance?

Health
Age
Gender
Individual vs Joint Insureds
Product riders/features

Are there performance variables that need to be considered?

Guarantees
Sensitivity to economic factors such as interest rates or equity markets
Tax laws

How do we check on the credit quality of the insurance carrier?

COMDEX Rating
Standard & Poors
Weiss Safety Ratings
Duff & Phelps

What are other common factors that are taken into consideration during the life insurance process?

Desired length of premium payments (ie, 5 years of larger premiums or 20 years of smaller premiums)
Ownership (individually vs. trust owned)
Beneficiary designations
Post implementation servicing (scheduling periodic reviews)

Life Insurance

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Key Components To Consider When Buying Life Insurance