pacific life iul lawsuit 2020

In the second section, we get into the different indexed universal life insurance pros and cons, Finally, for a balanced approach we offer. Additional licenses of Steven Gibbs are available upon request. See the jurisdictions in which Steven Gibbs and our other agents are licensed, admitted or otherwise authorized to market insurance products and/or legal services to consumers. Cap rates vary depending on the type of indexed account and crediting methods. Another great aspect of the IUL is that each year the gains are locked in or captured. In addition, the withdrawals are tax-free income, up to the amount of premiums paid, because the premiums were paid in after-tax dollars. My two 100K New England Graduated whole life policies are 30 years old and the death benefit is lower than the 100K plus the cash value. But it’s helpful to know that you will never get the same rate of return that the index itself returns. He will reach out soon if he hasn’t already. Hi Jeffrey, thanks for checking in and offering a good question about permanent life insurance as it relates to wealth planning. 0% Returns WILL Reduce your Cash Value, 2. Simply put, can the policy begin to pay for itself (at least), while generating even more cash value (at most)? The current stock market melt down is a great example of why indexed universal life insurance is such a fantastic tool for building and maintaining wealth, all wrapped up in a tax favored vehicle. Life insurance offerings vary by state, but Pacific Life generally offers: Two types of term life. The 500k is the total value of the policy, which is partly comprised of the 200k. Whole life offers specific guarantees, such as guaranteed death benefit, guaranteed cash value growth and guaranteed level premium. What pros/cons would this specific scenario have? I always encourage them to think of the cash value like the equity in a house and the death benefit is the house. is that true? Indexed Universal Life pros and cons are typically exaggerated by both sides with agendas to either sell an IUL policy or against it. With these tools, you’ll be empowered to direct your own course (and your chosen experts) to design a plan that really makes sense for you and your loved ones. Any health or personal information shared is protected by applicable HIPAA privacy laws and regulations. 3 that if you purchased $500K on IUL policy and have $200K cash value at the time of death, beneficiaries will only get $500k. Life Producer Commission Schedule Plan Type Key: TM=Term, TMROP=TM Return of Premium, UL=Universal Life, IUL=Indexed UL, SUL=Survivorship UL, WL=Whole Life, SPWL=Single Premium WL, FE=Final Expense, LB=Linked Benefit BUT...It needs to be structured properly with a reputable company. An IUL is a cash value life insurance policy, meaning that it has a cash value and allows for cash accumulation growth inside the policy. The cap is the maximum amount of interest for that segment the insurer will credit to your indexed account. Our global team are not afraid to disrupt and challenge industry thinking to provide the best Life, Critical Illness, Income Protection, Hospital Cash and Longevity reinsurance products and services possible. The policy earns interest in either a fixed account or indexed account, which helps your premium grow, increasing the cash value accumulation and growth in your policy. Whole Life insurance works by averaging the total cost of insurance for the entire life and provide a fixed premium. More on all this to follow below. For those making more, your savings would be even greater. Thank you! In order to get back to even, you’ll need to get around 50% in the coming year. 2019 Annual Statement. The group was naturally drawn to the concept of the life insurance agent…, All original content on these pages is fingerprinted and certified by, #254 | AG 49-A and Allianz Life Pro+ Advantage, #253 | The End of the Asset Management Era, #252 | AG 49-A & Lincoln Wealth Accumulate 2 IUL, #255 | Chronic Illness Riders: Don’t Get Tangled Up in a Lawsuit. Submission of information to insuranceandestates.com or use of this website, does not constitute an attorney client relationship with Steven Gibbs unless and until the terms of our agreement are confirmed in writing. Personally, it appears we are seeing interest rates rising but with so much of our current economy dependent on debt creation it is hard to imagine that rates will go much higher. Dividends in a mutual company can be viewed as a return of premiums overpaid (to policy holders) and these can be added to the cash value as part of a paid up additions strategy. You don’t have to worry about the Indexed Universal Life policy impacting your Social Security tax situation. Your answer to Ramon is not clear, since you already died, no one will borrow or withdraw $200k cash value, will beneficiary receive both $500k plus $200k? Dennis, if you need feedback on something concerning a policy, a blog comment isn’t the best way to go. For more on these top IUL insurance companies, including information on the specific IUL policies offered, please click on any of the above insurance company names to be taken to our accompanying index universal life insurance company reviews. There is nothing mysterious about this and life insurance companies wouldn’t say in business long by offering free death benefits. If there is $200,000 in available cash value, then that is the value. If you want to see what your options are, please give us a call today. If the market index increases 20%, your account will be credited with the max or cap, which is currently around 12-13% for most policies. Not picking on you, just clarifying that point for the benefit of our readers. Hopefully you can tell from our indexed universal life insurance pros and cons list above, there are plenty of good reasons to choose an IUL, but they need to understood and weighed against the disadvantages and your own personal situation and needs. Now, if you’re trying to build your retirement account while you or your spouse is still working, these mandatory distributions can seriously slow your progress. Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube. 1. My ears always perk…, Yesterday, AIG announced that it has made the strategic decision to exit its Life & Retirement division in order to create two distinct “market-leading” companies with AIG itself focusing exclusively on its P&C business. The lawsuit was filed Aug. 6 in Orange County Superior Courts by plaintiffs Hong Li and Tailong Liu. Have been an NML agent and a whole life advocate. Hello Jered, and thanks for commenting. Credit caps are just a cost of doing business with an IUL policy. When it comes to IULs, it is possible with certain companies to obtain a policy that would preserve the cash value upon death, although this isn’t the norm. Your question has been forwarded to Jason Herring, our National Sales Director, who is an expert on IUL policies. PacLife has released PDX 2 2020, a product that exemplifies the strange contradictions of AG 49-A when followed to the… If you have further questions, please email us at info@insuranceandestates.com and refer to your comment on this article. Will look forward to a meeting with him. If you pay the target premium for 18 to 20 years, the policy should be able to pay for itself. This is one of the major differences between VUL and IUL insurance. Pacific Life Insurance Co. of Newport Beach has agreed to pay more than $115 million to settle a class-action lawsuit claiming it cheated customers over 15 years by lying about its policies. There really is no one best life insurance policy out there. Pacific Life has selling agreements with more than 850 Enter your name and email to get FREE access! Guarda serie uno dei migliori portali italiani per serie tv streaming aggiornato giornalmente seriehd ! Please call us today for a complimentary strategy session. Good article, thanks. In addition, some IUL policies offer long-term care insurance riders. The typical floor for a fixed account is between 2-3%. Rather than having a bevy of products geared towards virtually every possible application, Allianz offers just a single Indexed UL that has been gradually…, The typical narrative in the life insurance business is that falling interest rates are an unmitigated disaster for life insurance companies resulting in spread compression, unsupportable guarantees, expense pressure and general malaise. There are very few people whom we would advise to buy an indexed universal life policy. As much as we have mentioned the many pros of IUL insurance, there are some cons to ponder as well. With an IRA you do have some stipulations for emergencies, and age distributions, but even so, an IRA can be limiting. If you’re an agent, I suggest you explore this question further with your chosen carriers. If you choose to build up your cash value in an IUL policy and use the protection during your working years, the policy will act much like other tax-deferred products. If, instead of an IRA you had an IUL policy loan for $40,000 per year, your taxable income would be zero because you would be under the base limit. The lawsuit was filed by Bonnet, Fairbourn, Friedman and Balint, a law firm in Phoenix with a long track-record of class action suits in life insurance, including huge settlements in vanishing premium and COI increases. So looking at this response, and thinking about the 2ook you can borrow against, is it possible to use the cash value in an IUL to pay for / offset the premiums one is paying? On most IUL policies, the death benefit is equal to the original insured amount minus the cash value. Essentially, AG 49 requires IUL insurance policy illustrations be based on the products general account, which means that cash value growth will be more conservative when creating an IUL illustration using an index than before AG49. Using Life Insurance Effectively. InsuranceandEstates.com is a free information source designed to help find insurance coverage. Consider that over a 79 year period (1937-2015), the S&P 500 had two periods where it lost three years in a row, 1939-1941 and 2000-2002. Invitations for application for life insurance on insuranceandestates.com are made through its designated agent, Steven Gibbs, only where he is respectively licensed and appointed. The reason the cost goes up is because you are more likely to die. Estate Planning 4. 2018 Annual Statement (excludes investment schedules) 2018 Investment Schedules. The 200k is accessible in withdrawals/loans, and the 300k is only payable on death. I can tell you that with every whole life contract, there is a cost of insurance and the is mostly reflected by the base premium AND the cash portion is generally funded by Paid Up Additions as a way to take advantage of life insurance tax deferment, etc. You can opt for no medical exam policy if you’d prefer to skip the traditional underwriting process, or an annual renewable term policy if you’re not sure how long you need coverage. you can lose money) if you have been paying near the minimum premium each month. If the participation is 100%, then your cash value will be credited interest up to the total gains in the index, subject to the cap. If an InsuranceandEstates visitor requests a quote, Insuranceandestates.com may enlist the help of other independent agents to help its customers find the best values. Based on these ratings, Pacific Life is among NerdWallet’s Best Life Insurance Companies for 2020. One of the big selling points of the Indexed Universal Life policy is the fact that you never lose cash value, because there is a floor of 0% (sometimes 1%). Instead, the cash in the indexed account earns credited interest based in part on the performance of the underlying index, subject to the cap and participation rate. The short answer is whether you need this may depend upon your values, goals and mindset. No Required Distributions or Penalties for early access, 1. The following agent license numbers of Steven Gibbs are provided as required by state law: TX agent #2273189, CA agent #0K10610, LA agent #769583, MA agent #2049963, MN agent #40563357, UT agent #655544. Cost of Insurance Increases as you Age, 4. The cash, equity, funds the death benefit in a sense. This is an insurance product and ultimately the thing you are insuring (your life) is of utmost importance. I hope this points you in the right direction. Been paying into a I.U.L. SIGN UP and get started today. The cash value can be used to help pay for long-term care costs. The additional % that the market index returns above the cap is used to make up for the years in which the company has to cover the losses of a negative year and give the minimum guarantee. Hopefully the above is enough information for you to move on to the next section. We reveal the formula behind the Pacific Discovery Xelerator’s controversial “Performance Factor" and discuss 5 viable exit strategies if Pac's new IUL's cash value can't outrun PDX's higher charges. On September 1, 2015, NAIC Actuarial Guideline 49 (AKA “AG 49”), was put into effect. Pacific Life Insurance is headquartered in Newport Beach, California and was founded in 1868. Understanding Risk 2. In some years this can be a 1% difference in the index, and in other years it may be as high as a 4% difference. If you have questions, please don’t hesitate to reach out – we’d love to help. For specific plan details and further information, contact carriers directly. IUL Risk 4: The Policy May Not Last Your Entire Life While indexed universal life is classified as “permanent life insurance”, it isn’t truly permanent. And don’t forget that you can also access the growth of your account tax-free, by taking a life insurance policy loan (sometimes called a swap loan) against your cash value. (Please correct me if I’m wrong). No portion of insuranceandestates.com may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization of the owner. The Indexed Universal Life insurance policy has serious upside growth potential. Hello Dennis, thanks for reading and your detailed comment. A friend of mine is suggesting I take a hard look at Transamerica IUL life insurance policy. This is a distinct advantage of permanent life vs term life and is part of the reason that an IUL is more expensive than term, at least initially. UL, VUL, IUL will not have it unless you add additional cost for the increasing death benefit. So, every year your gain will be secured along with your previous cash value total. Hello Jean, thanks for you comment. But don’t forget that in down years a floor of 0% is a huge benefit. Q1/2020 Quarterly Statement. However, they do cap the credit amount to limit upside potential so that in years where there is an index return of 22%, you will only be credited the max, or cap rate, associated with your policy. Like other permanent life insurance products, IUL features an insurance component as well as a cash benefit that … For an individual or family that is living on less than $80,000 per year, you may find that your annual tax savings are in excess of $10,000. Thanks, Jerry. All life insurance products have a death benefit, so it may seem odd to discuss this as a pro, but ultimately it is the key product that is being purchased, so it shouldn’t be dismissed. These options are not the same thing as buying the underlying stock that these options represent. Asset Protection 3. However, I’m compelled to clarify your answer. I have 375k term life also. Both the fixed account and indexed account have floor, which is the guaranteed minimum level of interest you will be credited in that specific account. Indexed Universal Life insurance can be one of the best things you ever own! Both companies have good consumer grades and offer competitive term life insurance rates. 7.75% American General “Value+ Protector II IUL” (all states, except NY) 7.50% Nationwide “Nationwide Indexed UL Accumulator II” , “Nationwide Indexed UL Protector II” 7.50% Pacific Life “Pacific Discovery Protector IUL… Hello Joey, thanks for commenting. The participation rate is used to determine how much your cash value will participate in the gains of the tracked index. However, unlike the IRA and 401(k) accounts, you can borrow against the IUL’s cash value tax-free without incurring any penalties. An IUL policy is a type of Universal Life Insurance. The cost of insurance in based on your age, your rating, and the amount insured. Q3/2020 Quarterly Statement. We suggest you connect with Jason Herring at jason@insuranceandestates.com. If you want more insight, I suggest you connect with Barry Brooksby at barry@insuranceandestates.com. Previous post: Sagicor Life Insurance Company Review for 2020 [Term, Whole Life & Annuities], Download The Life Insurance Essentials Guide for FREE, Download The Self Banking Blueprint for FREE. That’s because in 82 we had much higher inflation and interest rates. The plaintiffs in this case challenged increases to monthly deduction rates that were enacted in 2017 and 2018 on approximately 8,000 universal life policies. Hello Marcus, thanks for reading and commenting…I ran your question by Barry Brooksby, who handles a lot of IBC structuring and he just mentioned that with IULs you have to be aware of the fact that the cost of insurance can (and will) continue to increase and this is the problem with using them for an IBC safe bucket. Yes or No? This can be scary for those that are not prepared financially and as they get older the cost of insurance increases. Doing this in the early years when your cash value is low will help get the ball rolling and the momentum accelerating. Have liked Pacific Life and Lincoln. I’m sure you know already, but the reason for this mandatory withdrawal is because the IRS can’t tax that money until you start to take 401k withdrawals. With a $9 million net worth (6.3 million is equity in our home) do I even need any of this? But if you pay the minimum, and the policy struggles because there are a few bad years in the beginning, you may find yourself down with too little cash value to compensate for the increasing cost of insurance associated with your age. In late 2013, just before I closed down the first iteration of The Life Product Review and joined MetLife, I wrote an article entitled Symetra’s Gambit. The same goes for the whole life insurance asset. The IUL is a tax-deferred policy. With an Indexed Universal Life policy you have the ability to pay more or less each month (there is a minimum to cover fees, and a maximum based on the MEC limit) but the policy has much more premium flexibility than the other types of life insurance policies in the market. You will find different life insurance companies offer different cap rates, depending on the IUL policy and the index chosen. You never have to struggle to “catch up” due to previous losses. In reality, the company still loses the “option price” but that is part of the cost of insurance each year and is a fixed cost. I suggest you connect with Barry@insuranceandestates.com to explore pros and cons of using IULs for IBC in more detail. If you have an IRA or the pesky 401(k), you’ll have to start taking distributions (withdrawals) when you turn 70 1/2. Pacific Life offers term life policies with both fixed and adjustable premiums over 10, 15, 20, 25 and 30 years. Also, given the current market conditions, relative to both the financial markets and real estate, a safety net strategy may make sense for you and perm life can serve this important function. I&E was created by a group of estate planning legal professionals and life insurance agents who, after spending years working for various groups, including larger nationwide insurance brokerages, realized that people really do appreciate being able to find affordable life insurance policies and other related products and strategies from the comfort of their very own home. Note though, if you happen to close the account (not recommended) or take withdrawals instead of policy loans, you will pay taxes on the growth. Download The Estate Planner’s Tactical Guide for FREE. Just finished reading “The LASER Fund” and I want to know your thoughts on maximum funding the IUL policy within the five year minimum (or even longer, so long as the policy is fully funded). with Midland Natl since 2/2013 with 175k death benefit. Driven by strong indexed universal life (IUL) sales, this is the second consecutive quarter of positive growth. This means that the insurance company only had to pay out $300,000 at the time of your death, because you had accumulated $200,000 in cash value during the life of the policy. We can align you with the best IUL company that fits your needs, goals and objectives. Copyright © 2020 Insurance and Estate Strategies LLC – All Rights Reserved. And after those distinct losses, the market bounced back with double digit returns every time. Trying to add clarity to one of the previous questions, bc it confused me too until it was explained to me in the following way. Indexed universal life too often gets a bad rap by the “whole life purist” crowd. Thanks again and best to you. Finally, for a balanced approach we offer the disadvantages of IUL insurance as well. Steven, thank you for your persistence; however, a blog commentary is not really the best place to discuss policy design questions. After paying the 2 nd $500,000 premium the client became concerned due to the “ exorbitant policy charges ” amounting in a $54,286 loss for the reported period. Perhaps you’re referring to dividends that were retained as part of the cash value in the policy as this appears to be the only reasonable interpretation. An IUL policy is credited an interest rate determined by, either the declared rate of the insurer, or the participation rate and cap rate of the underlying index the indexed account tracks. Finally, it’s also true that an IUL can be complicated, particularly if you are comparing it to something as simple as term life insurance. An IUL is cash value life insurance. In our opinion, this is a good thing for consumers as it gives a more conservative picture of what a policyholder of  indexed universal life insurance can expect. I share this because normally those double digit returns are just a way of getting back some of the horrible losses in the previous years. Now, before launching into our IUL pros and cons, let’s briefly talk about whole life vs indexed universal life. People often confuse this issue. In addition, by using this website, I confirm that I understand and agree to the applicable Privacy Policy and Terms of Service. The death benefit provides financial leverage, particularly in the early years of the policy. If one gets a large inheritance at 50yo with no current retirement accounts and maxes out other tax advantaged vehicles – like paying previous and current years of a Roth – does it make sense to drop a large chunk to start an IUL to do a sort of catch up? For example, say you get $24,000 a year from Social Security, and you take another $40,000 from your IRA each year. My IUL premiums have been $200/month since opening and my latest annual report displays an ending account value of $15,844.18; minimum acct value of $13433.43 and a net cash surrender value of $12683.68. Feel free to reach out to Jason Herring at jason@insuranceandestates.com. If you have $100k invested and lose 10% in year one, 20% in year two, and 10% in year three, you’ll be at around $65k at the end of the three years. When you need death benefit protection, the right life insurance policy may also help protect against market downturns. That is why it is important to be familiar with the various life insurance riders available and how they can affect your policy’s performance. This isn’t a big deal if you have a good IUL insurance agent that you trust, but it can be an issue if you don’t have an agent and prefer to just pay the premiums and forget about it. I suggest you connect with our National Sales Director Jason Herring to get more information about how the numbers work inside of a whole life policy or answers to other questions. We list our top 7 IUL insurance disadvantages below. Within an IUL your insurance company does not invest your cash value in the stock market. My 6th point was about policy loan arbitrage and the fact that,…, Two weeks ago, Life Annuity Specialist, a news publication for life insurers, ran an article about a lawsuit filed in Texas (here) by a consumer against his agent, the agent’s brokerage firm and the life insurer. Someone in the industry forwarded me a lawsuit filed in Orange County last week against Pacific Life and, particularly, addressing the best-selling PDX product. Insurability protection is…, This article was originally intended to be published in a publication for actuaries. This is all fine and good if things go as expected. If you are shopping for life insurance, you might come across a product called indexed universal life, or IUL for short. There’s certainly truth in the narrative – and…, Of the Four Horsemen of the leveraged Indexed UL market, two have already revealed their post AG 49-A product changes. So with that behind us, let us take a moment and bring to your attention to some of the best indexed universal life companies. A dividend-paying whole life policy pays an annual dividend. What it means is that you are always starting from zero each year. Therefore, when you look at the S&P 500 index you must be aware that the index was created to include the dividends associated with the representative stocks. Sorry just read the reply…can you please update me. It can be complicated, but if you choose to stay educated and discuss your policy once a year with your agent, it’s not something that should be a deal breaker. You can always call and lower your death benefit, but that is obviously not something that most want to be facing. The intent of an IUL policy is to gradually decrease the “net amount of risk” (as seen by the insurance company), as you age. The surrender value after paying $1 million in premiums was only $360,567. Learn how to build wealth and create a legacy. To be fair, almost all asset managers fail to earn the same rate of return as the index, but that’s another point entirely. Illustrations from 30 years ago did not take into account our current unprecedented low interest rate environment. Money will never be able to replace the loss of a loved one, but avoiding the double-whammy of a family death and massive financial hardship is significant. The accumulated account value DECLINED from $638,832 in October 26, 2019, to $593,907 on January 25, 2020. In addition, you can always withdraw from your cash value up the amount of the premiums paid (your basis) without being taxed since those premiums were paid in after-tax dollars. Due to Steven Gibbs license as an attorney, this website may be interpreted to constitute attorney advertising. Whole life insurance is a non correlated asset, which means that it is does not follow the movement of the stock market. The fact that the cost of insurance rises as you age, and that there are some strategies for increasing death benefits and strategically managing the policy throughout the years to manage the various indexes and crediting options, means that it isn’t simple. If the market index that your policy is tracking increases 10% in a given year your account will be credited around 10%. The first section defines indexed universal life and lists our picks for the best IUL companies. We provide a refreshing approach to life reinsurance in some of the world's largest markets. Therefore the risk to the insurance company is relatively the same. Insurance and Estates is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. Mortality protection is the death benefit. Excellent investment option, there are some exceptions, but it is cheaper in the beginning more... Find insurance coverage top 7 IUL insurance because the life insurance product that will lapse in your old age to... In your old age due to crazy expenses clarify your answer and more expensive down the.. Your cap can vary significantly from one insurance carrier to another wrong ) benefits. At steve @ insuranceandestates.com is suggesting I take a hard look at the IUL policy policy! Competent indexed universal life policy is only as good as its design migliori portali italiani serie. The agreed-upon premiums penalties for early access, 1 down the road your comment on this article originally... Of doing business with an IUL policy and cash portion of $ that... Is for validation purposes and should be able to pay for itself advice, consult, or.... Bounced back with double digit returns every time some of the major differences between VUL and IUL insurance, are. Not getting the dividends that a stock owner would rightfully get PDX product informational... Pays an Annual dividend in Based on your age, 4 can vary significantly from one insurance carrier to.... Is a cost that increases each year as you age, 4 available... Paying $ 1 million policyholders nationwide which 200k is accessible as cash to withdraw or borrow against for complimentary... Account our current unprecedented low interest rate environment all companies offer different cap rates, depending on market... Out soon if he hasn ’ t say in business long by offering free death benefits compulsion. Values, goals and mindset italiani per serie tv streaming aggiornato giornalmente seriehd charge of your wealth! Years when your cash value near the minimum premium each and every month, if you pay the agreed-upon.... Please call us today for a complimentary strategy session you in the coming year expert, to explore and! Long term care, have a lower participation rate product that provides a set... Constitute attorney advertising I always encourage them to think of the world largest! From every direction possible, and the amount insured giornalmente seriehd big deal in covering the of..., these are strange times and it is recommended in the early years that you not... Any age, 4 come across a product called indexed universal life insurance as pacific life iul lawsuit 2020... Level premium commoditized portion your beneficiary would not get the cash,,! Only and should be able to pay the target premium for 18 20! Premiums was only $ 360,567 will reach a licensed sales agent the of! Serie uno dei migliori portali italiani per serie tv streaming aggiornato giornalmente seriehd penalty or.! Please email us at info @ insuranceandestates.com and refer to your indexed account and crediting methods the viability IUL... Insight, I confirm that I understand and agree to the underlying equity index that your value. Some cons to ponder as well Annual Reset may not seem like pacific life iul lawsuit 2020 at first but. Iul pros and cons of using IULs for IBC in more detail forwarded to Jason Herring, top. I would like to connect you with Jason Herring at Jason @ insuranceandestates.com to pros! Upside to IUL insurance, further increasing the death benefit, guaranteed cash value,.. Of term life 46 years of the IUL is one of the best IUL companies accordingly, not! Any of this pay tax on the IUL policy, largely because agents often downplay risk... & Minnesota life lawsuit Investigation this points you in the industry – and insurance! By calling the phone number above I will reach out – we ’ d love to help pay itself... The benefits of an IUL policy some companies offer uncapped potential but a. Forecast what the future will hold works, and the interest-earning potential of variable policies January 25 2020! Say in business long by offering free death benefits is an expert on IUL policies have an restriction! T hesitate to reach out soon if he hasn ’ t the place... Response but am a bit confused by your question guaranteed level premium best place to policy!
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