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<div
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style="font-size: 16px; font-weight: bold;">Tony Guggino, CLU, ChFC</span></div>
<div
style="text-align:
center;"
align="center"><a class="moz-txt-link-abbreviated" href="mailto:tguggino@cpseainsurance.com">tguggino@cpseainsurance.com</a></div>
<div
style="text-align:
center;"
align="center">212-472-2140</div>
<div
style="text-align:
center;"
align="center"><br>
</div>
<div
style="text-align:
center;"
align="center">Connect
with me on
Linked in</div>
<div
style="text-align:
center;"
align="center"><a class="moz-txt-link-freetext" href="http://www.linkedin.com/in/angugg/">http://www.linkedin.com/in/angugg/</a></div>
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<div
style="text-align:
center;"
align="center"><span
style="font-size: 16px; text-decoration: underline; font-weight: bold;">Universal
Life Insurance
Policy Crisis</span></div>
<div
style="text-align:
center;"
align="center"><br>
</div>
<div><span
style="font-size:
17px; color:
rgb(51, 51,
51);">A
popular
insurance
product of the
1980s and
1990s has come
back to bite
many older
Americans.</span></div>
<div><br>
</div>
<div><span
style="font-size:
17px; color:
rgb(51, 51,
51);">Universal life
was a
sensation when
it premiered,
and for some
years it
worked as
advertised. It
included both
insurance and
a savings
account that
earns income
to help pay
future costs
and keep the
premium the
same.</span></div>
<div><span
style="font-family:
Arial,
Verdana,
Helvetica,
sans-serif;
font-size:
17px; color:
rgb(51, 51,
51);">That was
when interest
rates were in
the high
single digits
or above.
Today, rates
are completing
a decade at
historically
low levels,
crimping the
savings
accounts.
Meanwhile, the
aging of the
earliest
customers into
their 70s, 80s
and even 90s
has driven the
yearly cost of
insuring their
lives much
higher.</span></div>
<div><br>
</div>
<div><span
style="font-size:
17px;">This is
a topic I have
informed
prospects and
advisors about
for many
years.This was
the motivator
that created
my"Forensic
Life Insurance
Analysis"
Service.</span></div>
<div><br>
</div>
<div>My
intent, was to
raise the
awareness of
the public and
financial
advisors, of
the pitfalls
of this early
type of
Universal Life
Insurance
policy.</div>
<div><br>
</div>
<div>
<a
href="https://www.wsj.com/articles/universal-life-insurance-a-1980s-sensation-has-backfired-1537368656"
target="_blank" style="color: #DE4E3A; font-weight: normal; font-style:
normal;
text-decoration:
underline;"
moz-do-not-send="true">click
here:</a> for
a Wall Street
Journal
article on the
topic.</div>
<div><br>
</div>
<div>There are
some possible
solutions
other than
having to pay
a much larger
premium.</div>
<div>A
tax-free
exchange of
the cash
values, that
are left in a
Universal Life
policy, to a
new more cost
effective
policy, in
many cases can
alleviate the
problem.</div>
<div><br>
</div>
<div>This
solution
depends on:
cash values
that are left;
age; and
health.</div>
<div><br>
</div>
<div>I offer a
complementary
&
comprehensive
service, that
includes a
Forensic
Analysis of
inforce
Universal Life
polices, and
recommendations
for replacing
the policy
with a new
one, that is
financially
sound.</div>
<div><br>
</div>
<div>I have
access to over
50 insurances
companies,
which allows
me to search
and compare
which policies
would work
best for a
specific
client.</div>
<div><br>
</div>
<div>Please
call or write
to discuss the
process and to
initiate an
analysis.</div>
<div><br>
</div>
<div>As usual,
please feel
free to
contact with
any questions
regarding
personal
insurance,
estate &
retirement
planning.</div>
<div><br>
</div>
<div><br>
</div>
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