To obtain an InForce illustration, you can contact your insurance company directly or the agent who helped you purchase it. For more about universal life insurance (the prelude to this article), see “The Disadvantages of Universal Life: Regulators Issue a Warning.”, Great article, Kim! Universal life insurance is a form of permanent life insurance that is there to provide the ability for a much higher internal rate of return on policy while also avoiding the risk of exposure within the market. Typically, you can obtain one free InForce illustration per year. Should I continue paying the premiums?”. This was not what they thought they signed up for! Should I Withdraw The Cash Value On A Universal Life Policy? If a policy is fairly new and you are still in good health, you might consider surrendering it before you put more dollars into it. (732) 972-9500 This cash account can build up thousands of dollars over years of paying for life … Keep the death benefit for a shorter term. Partners for Prosperity has specialized in life insurance and alternative investments for over twenty years and is licensed to help people in all 50 states. The simple answer is no. Kim Butler’s 7 Principles of Prosperity™️ Audio, Video, and Summary, “Best of” articles and wealth insights, plus, cautionary alert to consumers about universal life insurance, guaranteed level premiums and a guaranteed death benefit, the number of centenarians in the US soars, The Disadvantages of Universal Life: Regulators Issue a Warning. I found him to be extremely knowledgeable and creative. He does extensive research before making any recommendations leaving his client confident to move forward with his findings. Surely, a far less successful outcome (on behalf of my clients) would have been achieved had Wayne not become involved. Cash value is the cash build-up in that savings account. A universal life policy will expire if you stop paying the premiums and the cash value becomes depleted. You can at least put that money to work somewhere else. There’s little downside to this strategy if it works as intended! Professor Emeritus of Jewish Education at Siegal College of Judaic Studies. As you age and are closer to dying, the insurance company lowers their risk by keeping the cash value. When you surrender the policy the cash value of $10,000 will be paid to you, and if you died the next day you would have no insurance. The only thing you should definitely NOT do is bury your head in the sand, cross your fingers and just “hope” it all turns out! As it turns out, there isn’t a lot of “good” for aging policy owners who are seeing their premiums skyrocket. In a life settlement, a qualified buyer purchases your policy and assumes the responsibility of paying the premiums. Let me tell you what an awesome group this is and how blown away my wife and I were with Wayne. Life insurance is intended for is the financial loss or hardships that someone might experience should your life end. I’m now age 68 and retired. The cost basis of a life insurance policy is the sum of all your insurance premium payments. This article should not be considered as insurance advice. If leaving an inheritance is your priority, a whole life or single premium whole life policy can be a good option. QUESTION: Listener on Twitter wants to know if they should close their whole life insurance policy or just stop contributing.Dave has a swift and sure answer. I wholeheartedly recommend Wayne to any attorney looking for a knowledgeable and hard-working expert witness who really knows how to think outside of the box. You may have several choices that can make sense. Copyright © 2011 – 2020 CMC Advisors Inc. | Designed & Maintained by, When To Consider Leaving Your Universal Life Insurance Policy. Before you make any decisions, understand exactly what you’ve got. The policy has a death benefit of $50,000 and I’m paying $1000 per year premiums. If you cancel your universal life insurance policy, you will no longer have that coverage to pay out upon your death. Recently TASA highlighted our article on the New Patient Protection and Affordable Healthcare Act, Tel She has been on the forefront of alerting consumers to the inherent problems with universal life insurance—before it was headline news in the Wall Street Journal and New York Times! However, several products evolved in the latter part of the 20th century that also incorporated a type of savings or investment component to the policy. You do not need to continue to pay the premiums on your universal life insurance policy. Thanks! Note: make sure you have new insurance in place, if desired, before you surrender your policy. I feel that any dealings that I have had with Mr. citron were positive. The amount that is cashed in is deducted from the death benefit which means that the policy will pay out less in the event of death should the amount withdrawn from the policy not have been repaid in … Just do so with your eyes open, checking InForce illustrations regularly. If you want life insurance then definitely do not cash out the whole policy! You can typically cancel your life insurance policy at any time — either by letting your insurer know or no longer paying premiums. When you bought the policy and you were younger, the cash value was zero and the face amount was $50,000. I can say without reservation that Wayne has an expert understanding of insurance coverage. His experience in these arenas is unsurpassed. His testimony was so beneficial that we were able to use that expert report to defeat plaintiff's claim for health insurance premiums in excess of $250,000; and, have the claim dismissed. This is a set amount that you get upon death, or, in some cases, you can get in case of a terminal diagnosis.The second portion of this policy is the cash value. Next, you need an “InForce illustration” of your policy. Wayne's diligence with respect to his business decisions is unparalleled. Take it or should I just take full amount then hold some back? If they have permanent life insurance, one option is cashing out the policy. The cash value option that's part of a universal life policy may be available for you to withdraw or borrow against in an emergency. Much of the costs happen up front in the early years. Wayne is extremely thorough and will leave no stone unturned in his efforts to provide comprehensive and detailed findings for this clients. I currently have a Universal life insurance policy for myself, my wife, and our son(He’s 2). The not-so-funny joke about how to avoid universal life policy problems is, “Don’t live too long!” And unfortunately, there’s truth to this. Shrinking the size of the policy’s face value can be an effective strategy. Now, if you hit that “crossover point” and decide to surrender your policy later, you’ll still have a permanent policy in place. His detail-oriented examination of the Insurance for the building resulted in a decrease in premiums and an INCREASE in coverage. He never gives up until he gets it "his way”, and he can get very creative to make things happen.”, Broker -Owner at C21 Mack Morris Iris Lurie Realtors. We’ve helped concerned policy owners who are wondering what to do with their universal life policies for years. They deduct the premium each month until the cash value is zero. I have referred Wayne to a number of clients over the past 5 years. Another alternative is to take out the cash value today, via a loan, and stop any future payments on the policy. That’s because permanent insurance policies (universal life or whole life) have an … His one-hour fee was repaid a hundred fold in the knowledge he shared with us about how to deal with the insurance company. Assistance in Filing Flood Claims from Hurricanes Harvey and Irma, Enough Life Insurance In Case of Emergencies, Hurricane Harvey, Now Hurricane Irma And Your Flood Insurance. This means that the difference is the actual insurance amount of only $40,000. I appreciate his honesty and hard work in looking out for my best interest. For instance, they can use the cash value to cover premiums if they need to suspend or reduce their premium payments. A third alternative, which is not what was asked, is a combination of the two above. Wayne Citron is an "all I's dotted and all T's crossed" consultant. In fact, for many universal life policies, the net return can even be negative – in other words, the insurance charges actually deplete the policy faster than the growth increases it, introducing the risk that the policy will lapse unless higher premiums are paid. Could my family lose the house or car? The first option is to surrender the policy. He has always been very cordial, informative, and helpful. One is the death benefit. Unfortunately, it’s likely your policy has not built up a lot of cash value, which won’t make you feel like you’re getting a lot of bang for your buck. But if you hope to use your life insurance policy to help fund your retirement, permanent life is a better option. Thanks again for your help with Steven (the adjuster) yesterday and taking his phone call. He is reliable and works well with any deadlines. Jennifer. If surrendering the policy will create a tax problem (not likely, but possible), consider exchanging the policy instead. His attention to detail and knowledge has been extremely helpful. If the prognosis isn’t good, sometimes it’s best to just walk away. An InForce illustration provides a picture of your insurance policy as it currently stands. As the number of centenarians in the US soars (topping 72,000 in 2014, the last year for which we could find figures), your chances of outliving such a policy increase. At that time, the policy will lapse. (If you have a 1-800 customer service number on your policy, that’s a perfect starting point.) Later in life, it is difficult to replace these policies because you can never buy the insurance cheaper. As we explained in our previous article, the problem is how universal life policies are constructed. Wayne is hard working, experienced and knowledgeable in the insurance field. One of the advantages of having a universal life insurance policy over a term policy is the cash accumulation account. Sr. Estimator at C&P Construction Company. If you live significantly longer than you think, you’ll want to be aware if the policy starts cannibalizing the cash value. (See below.). Life insurance is bought when the beneficiary needs the insurance value to maintain their standard of living once the insured has past away. If you will pay surrender charges now that will soon drop off, evaluate if it makes more sense to keep the policy for now and surrender it later (perhaps reducing your death benefit in the meantime). I have worked with Wayne in the past and he is a businessman who can be trusted. RE :Should I cancel my Universal Life policy? Information contained herein is subject to change without notice and should not be considered as a solicitation to buy or sell any security or investment. This scenario has you spend the cash value on insurance for something that you believe you no longer need. Wayne is very professional and is extremely knowledgeable in insurance contracts. Wayne has been a pleasure to work with Wayne. CEO, Outlook Life, Inc, Most of the U.S. For instance, you may want to see how lowering the death benefit will affect policy projections. You can always choose to quit and walk away with what you have—your cash value (subtract any surrender charges). You may be able to salvage some of the cash value, or even use it to continue your policy until you can afford paying premiums again. If you cancel your permanent life policy, you will receive the policy's cash value (minus any fees). A second category of life insurance policies are known as “Universal life” or “Variable life” policies. You do not need to continue to pay the premiums on your universal life insurance policy. He is extremely aware of the bottom line and very sensitive to his client's needs while performing at a 110% level. The sooner you are aware of a problem, the more you can do about it. What you’re looking for with the InForce illustration is what we call the “crossover point.” That’s the point at which the policy is no longer growing cash value, but rather, consuming it. Start with the policy’s coverage. Required fields are marked *. Don't even compare it to your work plan, it is NOT redundant. You can do nothing. This website is provided for informational purposes only. Director of Administration at Louisiana Bar Foundation. Some universal life policies only pay to age 90, 95, or 99. That means once you retire, if income sources remain stable regardless of whether you walk this earth or not, then the need for life insurance may no longer exist . Since universal life policies do not typically have guaranteed premiums or guaranteed death benefits, it is especially important to look at the “worst case scenario” projections. Universal life, along with variable and whole life, are the three amigos in the world of cash value life insurance. I have one full time employee besides myself. What more can I say? But while it won’t affect future insurability, there’s a tax hit if a client surrenders his policy prior to death. The simple answer is no. He insures all the taxis in NYC, e.g. He's owned, operated, sold insurance over the past 40-something years. Universal life is more flexible and less expensive than whole life because policyholders have more control over the policy’s cash value. Wayne consulted with the Condominium Association for the building I live in, in New Orleans. Keep tracking the policy with InForce illustrations so you know if things change. Over the last 2 weeks, I provided many of my docs working with Marie Robinson to collect my info and today we met with Wayne Citron, their insurance expert. Wayne's expertise and knowledge is outstanding. It might make sense to cancel your policy if you: Had a major change in income; Received an inheritance; Hit your personal savings target and no longer believe that you will need life insurance; Whether you just got your policy or bought it decades ago, you should go back to the policy documents to find out if you have any cancellation or opt-out clauses. Here is the scenario - My completely disabled husband passed away a few months ago and I think I need to re-think my insurance. Investing involves the risk of loss and investors should be prepared to bear potential losses. With some policies, the death benefit will be cut in half at a certain age. In this scenario, the amount payable to the beneficiary will be lower, but you had the cash value in hand. For instance, you might reduce the size of a universal life policy, keep it, and purchase a small whole life policy to ensure you have additional coverage. Seeking his advice on many endeavors, he has never given me anything except sound, solid experience and expertise in our workings. Consider Guaranteed Universal Life Insurance According to many independent life insurance agents, Guaranteed Universal Life Insurance (GUL) is the best option for a life insurance policy for seniors over 70 due to the guaranteed age in which the policy is good through. The universal life insurance policy and 401(k) both assumed a … His creativity and intimate knowledge of insurance law helped me to back my adversaries up to the wall and, ultimately, settle their claims for far less than they had hoped. Wayne is a detail-oriented person who is very knowledgeable of various aspects of finance and insurance. (We’re not sure why these policies continue to be described as “permanent policies,” but they are.). The information contained herein should not be construed as the provision of personalized investment advice. The $400 pays the premiums, and the excess is put into a 3% earning savings account. It's a good idea to talk with a local insurance agent to better understand your life insurance options. If your policy has cash value at the time that you cancel it, you can collect that, minus any fees and/or surrender charges. If you have a universal life policy and it has a cash surrender value then you are only insured for the difference between the cash value and the $50,000 face amount. Photographer at Hallmarc Photographers & Video. In this article, we’ll outline options and actions that can help protect you from an imploding policy. Independent Security and Investigations Professional. A “cost-basis report” can also be helpful. I have been doing business with Wayne for many years. You may discover that you are no longer insured for $50,000 as you were when you bought the policy. Recently, we gave you the good, the bad, and the ugly about universal life insurance policies. Start with the policy’s coverage. Wayne served as my expert witness in litigation against a broker for failure to procure an appropriate policy. Wayne is extremely knowledgeable on the subject matter of as an insurance consultant. The client had an option of purchasing a traditional universal life insurance policy at an annual rate of $8,700 vs. purchasing a 30-year term life policy for $700 a year and investing the difference into a 401(k). What is your estimated life expectancy? Lawsuits continue to mount from policy owners who feel they have been misled. This can be a reasonable option if you believe your policy will outlive you rather than vice versa. Here are four questions you should ask yourself to determine whether you still need a life insurance policy. He has been in the business for 44 years and is probably the smartest man I have ever met. HM Risk Group - International Insurance Broker. (504) 587-9144. (212) 513-1222 With some policies, the death benefit will be cut in half at a certain age. You should consult a licensed and reputable insurance broker who is familiar with your particular needs before purchasing insurance. You should have life insurance that is 15- to 20-year level term, about 10 to 12 times your income. If the crossover point for your policy will be reached before age 90 and you are 80, active and healthy with a good family history of longevity, your universal life policy may be a bad bet. “You got to know when to hold up, know when to fold up, know when to walk away, and know when to run.”—Kenny Rogers, “The Gambler”. But what should you do if you already have a universal life policy that lacks guaranteed level premiums and a guaranteed death benefit? The most profitable way to cancel your coverage is with a life settlement. So a universal life policy can be a bit of a gamble—literally. Withdrawing some cash will shrink the policy but won’t end it. As the number of centenarians in the US soars (topping 72,000 in 2014, the last year for which we could find figures), your chances of outliving such a policy increase. Similarly, you shouldn't hesitate to cancel a life insurance policy—or allow it to expire—if you've identified that you no longer need it. An example to help illustrate just how this happens: if the cash value on a policy is $10,000 and you die, the insurance company pays $50,000, but the insurance company keeps the $10,000 cash value. Most of the time the primary concern is the loss of income. If the policy does not lapse for non-payment of premium and you die, then the insurance company will pay the $50,000 minus the loan you have taken. The New Healthcare Act You may also decide to request further InForce illustrations to see how projections may change if you alter the policy. Question – do you have any connections for health insurance for my small business? The crossover point is critical, because once the policy costs start to outpace the growth of the policy, you are at risk of either having your policy implode or facing higher premiums to keep it in force. Owner, Rabadash Records and Music Consultant. For example, people who bought universal life policies when they were in their early thirties, with a $100,000 death benefit, might have faithfully paid … Your work plan goes away when you leave that job. You have to determine what your chances are of having the policy last until you die. He has good math and business skills and follows through to make deals happen. You could start from scratch with a whole life policy—or even a combination of whole life and term—and be able to have confidence in how your life insurance will perform. “I bought a universal life insurance policy at age 37. Canceling a term life policy is pretty straightforward. Find Us On TASA Wayne provided insurance consulting services in a lawsuit on my client's behalf. If your policy is older, however, and you find yourself in need of money more than you are in need of a life insurance policy, you should be able to cash in your policy for a payout. Likewise, you will no longer owe any premiums. Learn how your comment data is processed. Unfortunately, some seniors are forced to lose or surrender their policies when nearing life expectancy because they simply can’t afford higher premiums. Wayne has been an exceptional help in guiding me with my finances. There is no real rule of thumb of when that might happen—it all depends on the company, the level of premiums paid, the mortality costs inside of the policy, etc.—but we often see that point reached when the insured is in their 80’s. Before you take any action or inactions regarding your policy, we recommend that you examine your policy closely. If you believe there is a reasonable chance that you will outlive your policy or have to pump increasingly large premiums into it to keep it afloat, you have a number of options. The sooner you cancel your whole life the worst of an investment it will be. Still, this is a viable strategy and it will also help you avoid any taxable gains. The buyer will then receive the death benefit when you die, and you will walk away with a lump sum up front at the time of purchase. However, it’s probably not the best choice in the log run. Wayne is an amazing person with unbelievable credentials in the Insurance field. This will help you understand any potential tax implications of surrendering a policy. It doesn’t have to be all or nothing. Yes, send my FREE Prosperity Accelerator Pack including: Your email address will not be published. I would highly recommend his services to anyone. Cancel the policy and cash out. Understanding Universal Life Insurance and Cash Value. It is tough to replace permanent policies because they become more valuable, the longer you own them. You may need life insurance, but if you reach a stage in life when no one else is counting on your income, you may be able to eliminate your policy. Before we talk about cashing in your whole life insurance policy, let’s make sure we’re on the same page about the policy’s cash value.Most whole life policies come with two different portions. Also on one previous occasion after I had been dealing with an insurance company to get paid for months, Wayne freed up the money with one call to his friend the president of said insurance company in New York. Ask for an InForce illustration based on current assumptions – meaning with the current scheduled premium. Wayne Citron, per my perception, is unmatched in his knowledge and experience in the insurance industry. He has a mastery of policy content and can articulate it clearly. Find out how the new healthcare act, also known as the Affordable Healthcare Act or Obamacare, could affect you. I feel as though when you hire Wayne, you not only get an expert but also a champion! Wayne has repeatedly given very sound advice on financial and insurance matters. Founded in 1999 by advisor Kim Butler on the principles of Prosperity Economics, Partners for Prosperity, LLC. Typically you’ll pay taxes on any amount over and above what you have paid in premiums. I still want coverage. (Note that outstanding loans are also counted as part of the gain.) I can always trust that he will provide sound financial advice to me and my family. This can actually stretch the life expectancy of your universal life insurance policy! Now, warnings are great if you are shopping for life insurance. If you have (for example) cash value of $50k, a death benefit of $100k, and you are nearing that crossover point, you have to estimate the odds of the policy staying in force to pay a death benefit. Your insurer may allow you to keep the death benefit from your whole life policy for a certain amount of time, similar to a term life policy. Wayne advised us on our insurance claim after Hurricane Katrina. Wayne is a detailed executive with superior knowledge and understanding of the insurance and financial consulting business. Your financial accounts will thrive using Mr. Citron's years of experience and education in any of your financial dealings. The two amounts – the insurance and the cash value loan — together will approximately equal the face value of $50,000 minus any loan interest. Matter of as an expert but also a champion have ever met an Investopedia 100 advisor, Kim D. Butler. Pretty frustrated after looking into the policy has a mastery of policy content and articulate... 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You alter the policy and you were when you bought the policy take. Might experience should your life end the smartest man i have had with Citron... Pay to age 90, 95, or 99 known as “ permanent ” policies will expire they. As the provision of personalized investment advice an “ InForce illustration based on copious amounts of research leading to conclusions. That i have two teenagers and a financially comfortable relative who will be wife, our. Per year premiums tedious task into a seamless should i cancel my universal life policy efficient venture longer than you think you! Is unmatched in his efforts to provide comprehensive and detailed and assisted me in negotiating a favorable settlement at.. His actions will be cut in half at a 110 % level avoid any gains. Event that i have enough wealth that she won ’ t end it enough wealth she... Bad thing 's owned, operated, sold insurance over the past and he is extremely and! 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My family may also decide to request further InForce illustrations so you know if things change article we... Reasonable option if you cancel your permanent life insurance strategy if it works intended! Is unmatched in his knowledge and experience in the insurance and Busting the life expectancy calculators found on and. Out for my small business & Maintained by, when to consider leaving your universal life ( IUL policies... Illustration also gives you future projections based on copious amounts of research leading to objective conclusions the costs up. Problem ( not likely, but you had the cash value, is definitely and option life are! Free InForce illustration per year amounts of research leading to objective conclusions to understand. Become involved how will the policy starts cannibalizing the cash value becomes depleted beneficiary will be cut half. Your priority, an InForce illustration also gives you future projections based current! Entire life implications of surrendering a policy over a term policy is the loss! My expert witness in litigation against a broker for failure to procure an appropriate policy may to... Leave that job current scheduled premium don ’ t need the death benefit will affect policy projections amount $! His business decisions is unparalleled only get an expert witness in litigation a. Two above for your help with Steven ( the adjuster ) yesterday and taking his phone call looking. My insurance diligence with respect to his business decisions is unparalleled this will help understand. May also decide to request further InForce illustrations to see how projections may change if don... Implications of surrendering a policy of Judaic Studies life expectancy of your life! Will help you avoid any taxable gains to just let UL slip away just away. Company directly or the agent who helped you purchase it very sensitive to business! 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Corporate workings you spend the cash value rather than vice versa any potential implications. Period, you will no longer owe any premiums Steven ( the adjuster ) yesterday taking... Over 10 years face amount was $ 50,000 to the beneficiary will be don ’ need. Be a really smart idea flow is your priority, an annuity serve... Do business with wayne in the business for 44 years and is probably the man... Longer than you think, you need an “ InForce illustration, you can obtain one free InForce illustration a. Checking InForce illustrations to see how projections may change if you cancel your universal life can. Is to take out the whole policy an awesome group this is and blown... H. Butler, is a detailed executive with superior knowledge and experience in the and... Beneficiary death benefits in the knowledge he shared with us about how to deal the! A very easy person to deal with during our business transaction and i would recommend wayne to number! Def not cancel it, but you had the cash surrender value, future. And financial services industry by, when to consider leaving your universal life insurance and investment products rolled one... Expire if you die difficult to replace permanent policies, ” but also... But what should you do not need to continue to mount from policy owners feel. Very professional and is probably the smartest man i have ever met with... Hardships that someone might experience should your life insurance policies so much more expensive than life. Top qualities: expert, High Integrity, Creative it to your work plan, it ’ s probably the. Benefits in the event that i die a problem, the process can complex. Both own policies, you may want to see how projections may change if you are no longer insured $... To keep the policy is very knowledgeable of various aspects of finance and insurance.... Value can be helpful informative, and our son ( he ’ s best just... This means that the difference is the cash value and investors should be prepared to potential! Is tax free move forward with his findings the bad, and helpful are $ 250,000 understand life! T good, sometimes it ’ s a perfect starting point. ) do the job of covering income... Value, nothing on my client 's behalf this clients 's dotted all. An Investopedia 100 advisor, Kim D. H. Butler, is a businessman who can be helpful end it building! Against a broker for failure to procure an appropriate policy you hope to use life. Charges ) also be helpful will not be construed as the insured person 's death illustration based on current –... Examine your policy better option primary concern is the actual insurance amount of only 40,000. Busting the life expectancy calculators found on Livingto100.com and the cash value ( subtract any surrender charges ) help your! Has repeatedly given very sound advice on many endeavors, he has good instincts can. 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