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1 IntroductionIn Germany, car insurance premiums heavily depend on regional classifications.In practice, premiums are multiplied by factors subject to the residence of thecar owner. These multipliers are estimated on the basis of statistical observationsfrom the recent past. Few car insurers, if any, have the necessary data to estimatemultipliers all over Germany. Therefore, the German Insurance … Read more
With the number of people driving a car increasing every day,there has been a proliferation in the number of cars insuranceclaims being registered. The life cycle of registering, process-ing and making a decision for each claim involves the manualexamination by the service engineer who creates the damagereport followed by the physical inspection by a surveyor … Read more
In this case study, I will illustrate the exact layout of a high cash value life insurance policy. I’m going to show you the following things: Now keep in mind, these are examples, but a similar ratio of contributions to cash value should still apply no matter how little or much you put in. $20,000 … Read more
Cash value life insurance solves a lot of problems that we’ve already discussed, but in this chapter I wanted to discuss a few other areas where it can save you, and earn you, additional money. Throughout your life you’ll likely save hundreds of thousands of dollars to buy all kinds of necessary and unnecessary items. … Read more
A few years ago I was approached by an older gentleman in his early sixties named Jim. Jim wanted my help and expertise to move more assets into a high cash value life insurance policy. 24 years ago Jim was approached by his brother, Scott, a newly licensed insurance agent, to buy an insurance policy … Read more
In the financial industry you hear a lot of discussion about risk. It’s widely accepted that risk is a natural part of building wealth. While I agree that taking the right kind of risk can, at times, be extremely profitable, I do not believe it is a requirement, and I certainly don’t believe it should … Read more
I’m constantly amazed at how most people plan for taxes. It’s so different than what you’d see inside the financial plan of some of America’s elite. It’s hard to convince them to lock up money and let Uncle Sam decide the best time and rate to pay taxes. That’s just not very smart. It’s such … Read more
Among many stories about those who have benefited from cash value life insurance, my family and I have enjoyed massive benefits in our finances. I’ll spare you all the details, but suffice it to say for nearly 11 years I participated in the stock market and mutual funds like the average investor. In short, after … Read more
While many wealthy individuals maximize the use of cash value life insurance, there is one group that really understands its value. This same sector of the economy controls nearly every aspect of our economy. Banks. Cash value life insurance plays a massive role in financial institutions, corporations, and banks. More than you could ever imagine. … Read more
The Greatest Test of All Please travel with me in history for just a moment. It’s the latter half of the 18th century, America has just gained its freedom, and the birth of a great nation is underway. Some of the greatest minds in history are creating their footprint on the very land we stand … Read more
