Permanent life insurance remains one of the most misunderstood tools in financial planning. Join life insurance expert and CFP, Barry Flagg, to gain a clear, unbiased understanding of the key types of permanent life insurance—Whole Life, Universal Life, Indexed Universal Life, and Variable Life—and how each functions in protection, accumulation, and legacy planning. Attendees will also learn how to evaluate cost, performance, and risk, and how to explain these differences objectively to clients in a fiduciary framework.
Learning Objectives
- Differentiate between Whole Life, Universal Life, Indexed UL, and Variable Life, focusing on structure, flexibility, and sustainability.
- Evaluate how crediting rates, interest assumptions, and investment subaccounts influence long-term performance.
- Identify client situations best suited for each product type, including protection, estate, and wealth-transfer goals.
- Understand fiduciary and regulatory considerations for recommending or reviewing permanent policies.
- Develop a framework for comparing policy illustrations and communicating them clearly to clients.
*CE/CPE Eligible: 1.5 CE credit(s) is(are) available to FEN Members with these designations: CFP, CLU, ChFC and RICP.
Field of Study: Specialized Knowledge
Prerequisites: There are no prerequisites for this session.
Advanced Preparation: None
Program Level: Basic
Delivery Method: Group Internet Based
NASBA Approved
Financial Experts Network (Sponsor Id#: 145173) is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.