Benefits of a New Actuarial Design

Two significant industry issues are solved by the FSLM model:

The life insurance explosion problem. FSLM products are the only variable life policies on the market that cannot lapse for any reason including non-payment of premiums or investment performance without incurring the extreme cost and contract limitations of “no lapse (secondary) guarantee charges”.
The annuity’s death tax problem. The FSLM is a hybrid product, actuarially closer in design, functionality and pricing to an annuity than to a life policy while retaining the tremendous tax free advantage of life insurance at death.
FSLM products are designed for the tax efficient growth like an annuity by using a patented actuarial model to minimize the “At Risk” insurance amount, reducing the resulting COI charges (insurance cost) to remarkably low levels.

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Other Advantages:

utilized in a way not thought of before of IRC Section 7702 of the tax law that defines life insurance
automatically adjusts to the least amount of “at risk” death benefit to qualify as tax free life insurance.
actuarially impossible for a life insurance product to be more efficient and have less drag from the cost of insurance at all points in time
priced like an asset based investment account for both the insurance company and financial advisor.
no upfront premium charges for either the carrier or the advisor
no surrender charges (account value is accessible anytime without policy charges)
full disclosure
transparent charges
no hidden fees
unbundles and componentizes the actuarial elements allowing custom design and policy management rather than buying pre-packaged policies. Premium, cash value, and death benefit work “independently”, not “interdependently”.
contract language that protects the client
eliminates many of the negatives and potential problems of conventional life insurance
simple design that eliminates fine print policy traps or hidden “gotcha” clauses
simple to understand
easy to implement
no computer illustrations