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Life insurance policies are designed to provide financial security for your beneficiaries after your death. However, circumstances can change, and there may be a time when you no longer need or want your policy. In such cases, life settlements can be an alternative to surrendering your policy for its cash value or letting it lapse.

Life insurance policy reviews are important for ensuring a policyholder’s coverage continues to meet their evolving needs. However, while life insurance policy review templates can serve as helpful guides, they should not replace a personalized assessment.

At Stratus Financial Partners (SFP), we understand that a one-size-fits-all approach falls short of providing the comprehensive and tailored

People with a million or more in assets (and those who aspire to) have unique financial needs. Life insurance strategies can be a pivotal tool for wealth accumulation and preservation. Life insurance offers a sophisticated means to achieve three main objectives: compound interest, tax-favored accumulation, and safe, positive leverage. By understanding these principles, millionaires can

Life insurance is more than just a safety net — it’s a strategic tool that offers financial security, tax-free benefits, and coverage for final expenses. By understanding how life insurance can make your life better, you can take proactive steps to ensure a stable and secure future for yourself and your loved ones.

The role

Imagine taking out a life insurance policy that does not just cover funeral costs but guarantees your family’s financial security with hundreds of thousands, if not millions, of dollars. That’s what happened when HSBC Life (Hong Kong) set the Guinness World Record for the most expensive life insurance policy ever sold.

The plan, a whole