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The Great Life Insurance Debate: Term, Permanent, and the Truth in Between

Explore one of the most debated topics in life insurance with clarity and candor. Compare term and permanent coverage beyond surface level definitions and examine where each shines and where each can fail. Analyze behavioral financial realities behind buy term and invest the rest, review why older universal life policies are struggling, and assess indexed universal life marketing claims in light of public cases. Learn how DEFRA and MEC rules shape funding decisions and develop blended strategies that align coverage with time horizon, budget, and long-term goals. 

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Webinar Details

The Great Life Insurance Debate: Term, Permanent, and the Truth in Between

Examine the term versus permanent life insurance debate through a practical, balanced lens. Compare structures, myths, behavioral realities, and regulatory guardrails that shape real world outcomes. Evaluate universal life challenges, indexed universal life controversies, replacement risks, and blended design strategies to help guide ethical, client centered life insurance conversations. 

Date and Time
Webinar Duration
180 minutes
CE Requirements
Verify your state and license CE requirements
Topics
  • Compare term and major permanent life products and align them with client goals, risk tolerance, and time horizon
  • Analyze myths such as buy term and invest the rest and evaluate how real-world behavior affects outcomes
  • Identify warning signs in older universal life and indexed universal life policies and assess responsible corrective options
  • Evaluate replacement risks, regulatory considerations, and documentation standards that protect both client and advisor
  • Design blended term and permanent strategies using practical case studies across family, business, and pre-retirement scenarios
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