Life Insurance and the Professional Advisor
Concept Oriented Solution: How to completely divorce the product of life insurance from the concept of life insurance.
By: Peter R. Moison, J.D. TEP, President If you are a high net worth client looking to complete some long term estate planning it may be good to ask your professional advisor or advisors to be candid about his or her real thoughts when it comes ...
Death Benefit Design
Proper design of the death benefit of a life insurance contract is crucial to its long term success.
By: Peter R. Moison, J.D. TEP, President When it comes to the design of death benefit sometimes the obvious is the most elusive. Let’s think about the obvious in terms of insurance—any insurance. If an insurance company decides to ins...
No More Money?
An interesting development
No More Money? An article appeared in the Wall Street Journal on May 6, 2013 entitled Insurers to Annuity Owners: We Don’t Want More Money. (click orange text for article). It is one of many articles published over the last year by the Wall Stree...
Why So Complicated
Why is Life Insurance So Complicated
Why So Complicated? By: Peter R. Moison, JD President Castle Re Insurance Company, Ltd If you really think about it life insurance should be one of the least complicated forms of insurance around. Unlike most other forms of insurance there a...
Cash Value Life Insurance: Building a better Financial Safety Net
Protecting your safety net
By: Peter R Moison, J.D. TEP, President Helping people preserve, protect and enhance what they work so hard for means different things to different people. To us it means a customized and uniquely developed plan that (1) efficiently and simply co...
Building a More Secure Life Insurance Contract
Thoughts on why we don't use lapse supported pricing and policy design in our Custom Life Insurance Contracts.
By: Peter R. Moison, JD President of Castle Re Insurance Company, Ltd (Bermuda) Introduction It is refreshing to see more attention being paid to the issues of lapse supported underwriting and why life insurance policies, in far too many cas...
Beyond the Boilerplate
When it comes to the high worth net client a one size fits all approach may not be the best approach.
By: Peter R. Moison, J.D. TEP, President Business Dictionary.Com defines the word “boilerplate” as follows: Standard legal language (the fine print) used by banks, insurance companies, landlords, service providers, etc., and print...
Gifting and the Custom Contract of Life insurance
Using a Custom Contract Life Insurance Solution for large gifts provides a practical, self-completing, tax free and highly efficient way to shift wealth.
Gifting and the Custom Contract of Life Insurance By: Peter R. Moison, J.D., TEP, President Why take advantage of the one-time ability to make a five million dollar gift this year without paying gift tax? The benefit of making such a gift is t...
Why Does Castle Re Advocate A Fiduciary Approach to Life Insurance For the High Net Worth Client
A Fiduciary Approach to HNW Life Insurance
Why Does Castle Re Advocate A Fiduciary Approach to Life Insurance For the High Net Worth Client? By: Peter R. Moison JD President Castle Re Insurance Company, Ltd Castle’s business model is life insurance for the high net worth ...