Life insurance as an asset class

March 30, 2017

This research paper examines the merits of permanent life insurance as an alternative asset class. Though known more for its estate planning benefits than as an investment tool, permanent life insurance is attracting attention among investors looking to improve the return or reduce the risk of the fixed-income portion of their investment portfolio. The authors build their case around Harry Markowitz’s Modern Portfolio Theory (MPT) and its cornerstone, the efficient frontier (EF) concept. MPT quantifies the idea that a prudent investment portfolio balances risk and return. The theory also demonstrates the benefits of portfolio diversification and allows for this benefit to be captured and expressed during the portfolio construction process.

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Our Vision is to be your long term partner. We will gain your trust by providing asset protection and managing the risks that threaten your financial goals. We will treat our employees, clients, and marketing partners as we would like to be treated—with respect and appreciation. We will build relationships to endure the waves of change and make Hibbs-Hallmark & Company a premier agency in the United States.

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Hibbs-Hallmark & Company

Our Vision is to be your long term partner. We will gain your trust by providing asset protection and managing the risks that threaten your financial goals. We will treat our employees, clients, and marketing partners as we would like to be treated—with respect and appreciation. We will build relationships to endure the waves of change and make Hibbs-Hallmark & Company a premier agency in the United States.

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