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Institutionally-priced Life Insurance (ILI) represents a different level of planning asset built specifically to take advantage of:
- The IRC §7702 tax code regulating “life insurance” products.
- The superior longevity of highly compensated individuals performing “white-collar” roles in the workplace.
- The lower fund fees of ILI separate accounts compared to their mutual fund counterparts.
- ILI’s retention based institutional pricing structure.
- The expectation that medical advancements will continue to increase life expectancy.
- The expectation that highly compensated “white-collar” individuals as a risk class (HCE Class) will continue to live the longest.
Result is a superior fund, cash, tax and risk management container for those expected to live the longest.
ILI serves (1) as a fund investment alternative that (2) secondarily provides added financial protection.
- Comparable iniital cash surrender value as taxable investing.
- Increased long-term cash surrender value because the cost-of-insurance has less impact on investment gains than the cost-of-taxes.
The result is a lower lifelong total cost-of-investing plus financial protection.
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Co-Authored Articles and Presentations
E. Randolph Whitelaw, AEP (Distinguished) and Charles M. “Mark” Whitelaw
Equity Indexed Universal Life - A Call to Action
April 2015 - Society of Financial Service Professionals - Risk Management
A review of the consumer disclosure problems relative to EIUL's fit in a consumers financial or trust planning.
June 2015 - Society of Financial Service Professionals - Financial Planning
A review of the fund investment and risk management alternative used by CFO's since 1986 and now available for affluent individuals and trustees.
EIUL - A Call to Action - Presentation including ILI Restoration Analysis
Suitability, Policy Design and Policy Management Considerations to Maximize the Probability of a Favorable Outcome
EIUL - A Call to Action - Presentation of Deceptive Sales Examples
Examples of the EIUL Deceptive Sales Process and Guide for Policy Re-illustration and Planning Rehabilitation
EIUL - A Call to Action - The Need for Consumer Intervention Increased (Tax Facts)
Sept 2015 Tax Facts Article reviewing NAIC AG49 and the need for Consumer Intervention and Rehabilitation.
EIUL - A Call to Action - The Need for Consumer Intervention Increased (PPT)
PPT version of Sept 2015 Tax Facts Article by same name reviewing NAIC AG49 and the need for Consumer Intervention and Rehabilitation.
Was your Client Sold the Most Expensive Life Insurance Policy on the Planet?
2019 contributing article on IUL costs to the ABA “Understanding Life Insurance and Rethinking Policy Management and Evaluation - Explaining the Unexplainable” by Gary L. Flotron.
Mark Whitelaw is a contributing writer to the E. Randolph Whitelaw and Henry Montag book “The Life Insurance Policy Crisis”. ABA Book Link
Larry J. Rybka, JD, CFP referencing 2023 Information provided by Charles M. “Mark” Whitelaw
IUL vs. VUL: Which Has Greater Risk of Dissapointing Policyholders?
January 20, 2023 Linkedin post.
Authored Articles
Charles M. “Mark” Whitelaw
The Life Insurance - Other Financial Services Sectors Communication Gap
2/27/2019 ThinkAdvisor article on using FINRA and NAIC “math” as a communication bridge.
The Simple Moving Average Management Strategy
6/12/2019 ThinkAdvisor article on using the Simple Moving Average strategy with VUL separate accounts as an alternative to IUL Indexed accounts.
2023 AG 49 S&P 500 Total Return Equivalent information
2023 Update to the AG 49 S&P 500 Total Return Equivalent Information VVC has been providing since 2015 to assist Registered Representatives.
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