Trustees

Managing Competitive Rates for a Trust

FinancialProfs_TrusteesMany believe a life insurance policy will perform as it was sold to them or that the rates they are paying are still competitive. Unfortunately, that notion is false.

A recent study estimates that 92 percent of all trust-owned life insurance could be restructured or reissued providing an average economic benefit of 20 percent to the client either by lower premiums or increased death benefit. Worse though, 87 percent of universal life insurance policies will lapse or be surrendered, never paying a death benefit.

Under the Unified Prudent Investor Act, a trustee has a fiduciary obligation to manage and review the appropriateness of assets owned by a trust. This includes the assessment of life insurance policies. However, when Trusts and Estates magazine anonymously surveyed 1,000 professional trustees, 84 percent said they lacked the tools and procedures for managing these policies. Our comprehensive review system begins by reviewing the policy’s performance, lapse risk and carrier stability. We then compare the policy to what is available in the current market place to test competitiveness and see if improvements can be made.

Contact us to see how we can help mitigate your fiduciary risk and help your client enjoy a better economic benefit.

Concentric Insurance
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3636 Westown Parkway, Suite 250
West Des Moines, IA 50265
Phone: 515-225-4838
Fax: 515-224-6803

Press releaseThe diamond-studded Saxonia automatic in a case made of solid white or pink gold coalesces the genius of watchmakers with the virtuosity of gemsetters. Timeless elegance: Saxonia automatic in white gold A. Lange & S? hne Elaborate mechanical replica watches no longer appeal only to men. More and more women expect finesse to embrace the inside of a replica watch as well. For them, A. Lange & So? hne time- pieces are surely the preferred choice because they combine the best of both worlds: supreme craftsmanship and timeless elegance. This also applies to the new jewelled version of the Saxonia automatic. For this ladies' watch, the main objective of the product developers at the eminent Saxon manufactory was to create a perfect symbiosis of engineering, artisanship, and design. Like all members of the elegant Saxonia replica watch family, expensive watches the Saxonia automatic reflects a style that is at once classic and contemporary. Its clearly configured solid-silver dial is framed by a bezel set with 76 brilliant-cut diamonds. Both elements gracefully complement the case in white or pink gold. The replica watch owes its eloquent proportions to a calibre which is only 3. 7 millimetres high; it is the thinnest self-winding movement made so far by the master watchmakers of A. Lange & So? hne. A central rotor with ball bearings and a platinum centrifugal mass delivers ample winding power. The maximum power reserve of three days is built up after only a short time on replica watches the wrist. The ultimate in mechanical precision and superb craftsmanship endow the movement with the sublime quality that fully befits the sparkling outward appearance of the watch. Technical specifications - Saxonia automatic with diamonds? Saxonia automatic in white gold A. Lange & S? hne Reference: 842. 026Movement:Lange manufacture calibre L086. 1, self-winding, crafted to the most exacting Lange quality standards, decorated and assembled by hand; precision-adjusted in five positions; plates made of untreated German silver; balance cock engraved by handMovement parts: 209Jewels: 31Escapement: Lever escapementOscillator:Shock-resistant screw balance; superior-quality balance spring manufactured in-house, frequency 21,600 semi- oscillations per hour, replica watches precision beat adjustment system with lateral setscrew and whiplash springPower reserve: 72 hours when fully woundFunctions: Time in hours and minutes, subsidiary seconds with stop secondsOperating elements: Crown for winding the replica watch and setting the timeCase dimensions: Diameter: 38. 5 millimetres; height: 8. 3 millimetresMovement dimensions: Diameter: 30. 4 millimetres; height: 3. 7 millimetresCrystal and caseback: Sapphire crystal (hardness 9)Case: White goldBezel: Set with 76 brilliant-cut diamonds, iwc replica Top Wesselton VVS1, approx. 0. 7 ct. Dial: Solid silver, argente? Hands and appliques: Rhodiumed goldStrap: Hand-stitched crocodile strap, blackBuckle: Lange prong buckle in white gold? Saxonia automatic in pink gold A. Lange & S? hne Reference: 840. 032Movement:Lange manufacture calibre L086. 1, self-winding, crafted to the most exacting Lange quality standards, decorated and assembled by hand; precision-adjusted in five positions; plates made of untreated German silver; balance cock engraved by handMovement parts: 209Jewels: 31Escapement: Lever escapementOscillator:Shock-resistant screw balance; superior-quality balance spring manufactured in-house, frequency 21,600 semi- oscillations per hour, precision beat adjustment system with lateral setscrew and whiplash springPower reserve: 72 hours when fully woundFunctions: Time in hours and minutes, subsidiary seconds with stop secondsOperating elements: Crown for winding the replica watch and setting the timeCase dimensions: Diameter: 38. 5 millimetres; height: 8. 3 millimetresMovement dimensions: Diameter: 30. 4 millimetres; height: 3. 7 millimetresCrystal and caseback: Sapphire crystal (hardness 9)Case: Pink goldBezel: Set with 76 brilliant-cut diamonds, Top Wesselton VVS1, approx. 0. 7 ct. Dial: Solid silver, argente? Hands and appliques: Pink goldStrap: Hand-stitched crocodile strap, red-brownBuckle: Lange prong buckle in pink goldA. Lange & S? hne - A. Lange & S? hne - celebrating classic car design and two decades of watchmaking | Industry News