Learn the basics of life insurance policy loans, how they work, the benefits and risks involved, and why careful planning is key.
Resiliency of the U.S. Life Insurance Industry
In troubled times, the public has relied on the life insurance industry to steady the course. And with good reason.
Tenzing Maps: Annual Policy Reviews
Life insurance policy reviews are an essential cornerstone of our ongoing commitment to exceptional client service. At Tenzing Insurance Strategies, we understand that a life insurance policy should evolve as each client’s life does. That’s why we emphasize an intentional and proactive life insurance policy review process, designed to help ensure coverage stays aligned with financial goals over time.
Tenzing Talks: What Sets Our Annual Reviews Apart
Life doesn’t stand still, and neither should a life insurance strategy. Each year, we take time to review every client’s in-force life insurance coverage to help ensure it still aligns with needs, goals, and planning strategies. This month’s Tenzing Talks video walks through how the review process reflects our commitment to proactive, personalized service.
Tenzing Talks: What Is a 1035 Exchange & When Does It Make Sense?
A 1035 exchange allows you to replace an existing life insurance policy while maintaining its tax-deferral benefits. Questions to consider include: When might a 1035 exchange be beneficial? What costs and risks should you consider? How do you determine if it’s the right move? Check out our latest Tenzing Talks video to learn more!
Tenzing Talks: 1035 Exchanges Explained – Key Considerations for Advisors
In many cases, a 1035 exchange can help policyholders see better policy outcomes—but careful analysis is required. Factors such as surrender charges, underwriting, and tax considerations all play a role in determining suitability.
Check out our latest video where we break down the key conditions to evaluate before recommending a 1035 exchange.
Tenzing Perspectives: 1035 Exchanges – What You Need to Know Before Making a Change
A 1035 exchange allows you to replace an existing life insurance policy with a new one. This provision, under Section 1035 of the Internal Revenue Code, allows policyholders to transition into policies that better meet their financial goals while maintaining the tax-deferred status of their accumulated cash value.
Tenzing Perspectives: Enhancing Client Outcomes – Essential Considerations for a 1035 Exchange
A 1035 exchange is a strategic financial planning tool that allows policyholders to replace an existing life insurance policy with a new one while maintaining tax-deferred status. This provision under Section 1035 of the Internal Revenue Code offers significant opportunities for policyholders to improve their coverage, reduce costs, and enhance financial planning strategies. However, executing a 1035 exchange requires careful consideration to ensure that the transaction is in the client’s best interest and adheres to regulatory standards.
Tenzing Maps: Should You Consider a 1035 Exchange?
A 1035 exchange is a powerful planning tool when considering updating your life insurance policy. Our easy-to-follow Tenzing Maps infographic highlights key factors that may help determine if it’s a good fit for your financial situation.
Tenzing Maps: Key Factors for a Successful 1035 Exchange
A 1035 exchange can offer benefits such as improved policy performance and cost efficiency, but not every policyholder is a candidate. What factors should advisors evaluate?
Our latest Tenzing Maps quick-reference infographic summarizes the key considerations that determine whether a 1035 exchange is appropriate.