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RETHINKING LIFE INSURANCE VALUATION FOR SENIORS

SHARESHARESHARE

Increasing longevity and other disruptive factors are changing the face of life insurance valuation.  Fiduciaries and insurance professionals are demanding a more defensible determination of fair market value for advanced planning with senior clients.  Form 712/Interpolated terminal reserve value DOES NOT EQUAL fair market value.  Newmarket-based valuation methodology, based on a real-time, willing buyer-willing seller marketplace for life insurance, is filling a void for tax planning, longevity analysis, and complicated hold/pay/change/sell decisions with senior clients.  This discussion has broad application across practice areas and will help fiduciaries to mitigate risk and assure that client best interests are served.