Cost of Insurance to increase for universal life and variable universal life policies

Life App.jpg

Cost of Insurance Increase Announced by Another Major Carrier


Lincoln Financial Group announced that Lincoln Life & Annuity Company of New York, acting as administrative agent and reinsurer, will be raising the COI rates on a specific block of universal life and variable universal life policies 

It appears the exact dates of the increases are policy specific.  In sample letters to policy owners, Lincoln notes that “the expected cost of providing insurance coverage has risen, due to a variety of factors including lower investment income and higher expenses.”

Like with other carriers who have raised rates, it is important for you to provide your policy owners with suggested options, including; continuing to pay current premium, increasing the amount of premium paid in order to keep the policy in-force, lowering the death benefit amount, or surrendering the policy.

There appear to be 18 product series affected with issue dates from 1983 to 2000, with many policies issued in the 1990’s. Lincoln has yet to announce the exact percentage increase, explaining the “amount of the COI rate increases depends upon the product.” 

With low interest rates and COI increases, we may be in for more of the same over the next few years.

September 23, 2016·  Jennifer · No Comments

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March 7, 2016·  Jennifer · Enter your password to view comments.
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L54) Life Insurance vs. Modified Endowment Contracts

1.3 – Life Insurance vs. Modified Endowment Contracts

Current tax law specifies that a life insurance policy is one that passes the 7-pay test. This test requires that the premiums paid during the policy’s first seven years cannot exceed the sum of the net level premiums necessary to fund a fully paid-up policy at the end of seven years. If cumulative premiums do not exceed the specified amount during the first seven years, the policy is deemed a life insurance contract, subject to tax treatment normally applicable to life insurance. If cumulative premiums exceed the specified amount during any one of the first seven years, the policy will be deemed a modified endowment contract, or MEC, subject to different, less favorable tax treatment.

Example: Life Insurance vs. MECs

For example, assume that a policy provides for a death benefit that would require the payment of $14,000 in premiums by the end of Year 7 to be a fully paid-up policy. As long as cumulative premiums paid do not exceed the cumulative maximum amount in any year, the policy will pass the 7-pay test and will be considered life insurance.

As the following chart shows, in Year 4, the policyowner pays an amount into the policy that causes the total premium paid to exceed the total amount allowed as of that point. In that year, the policy fails the 7-pay test and will be deemed a MEC. And although the total premiums paid through Year 7 do not exceed the total cumulative limit, the amount deposited in Year 4 caused the policy to become a MEC.


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January 15, 2016·  Jennifer · No Comments
Posted in: L54) MEC Modified Endowment Cont

Every penny of your tax dollars pays for your national debt to the banksters.

Take back Control of Your Money.

Every penny of your tax dollars pays for your national debt to the banksters.
The banksters then loan your hard earned tax money back to the govt. and charge interest on it for your basic public services.

If you earn an average salary over your lifetime you will pay the banksters over 1,000,000 in taxes.
3/4 of your lifetime of work pays for your government debt to the banksters and your personal debt to the banksters on your mortgaged houses, your car loan, student loans and other loans.

The banksters game is all about taking your money in taxes and then loaning your money back to you again with interest.
They take property taxes, gas taxes, food taxes, clothing taxes, and dozens of other taxes and fees. Inflation, which they create, is a hidden tax.

Collectively the public willingly hands over trillions of dollars annually to the banksters by depositing money in their banks, paying taxes to their central banks, supplying labour to the corporations, buying stock in their corporations and then spending their savings in their corporate superstores.

So what do the banksters do with all your money that they pocket?

They bomb, rob, kill, colonize, exploit and advance their cause for global control and for your eventual enslavement.

Refuse to fight their wars.

Who took all the real money, the gold? The govt. and replaced it for the people in the form of green back paper backed by nothing. Worth something only because the govt. says so.

December 31, 2015·  Jennifer · No Comments
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Walter E Williams – Economics And Personal Liberty


 Professor Williams is interviewed regarding his contention that Keynesian economics is an assault against personal liberty.







December 29, 2015·  Jennifer · No Comments
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Debt is the weapon used to conquer and enslave societies. Interest is its prime ammunition.


World Bank – International Monetary Fund.
Physical slavery requires people to be housed and fed.
Economic slavery requires people to feed and house themselves.
It is one of the most ingenious scams for social manipulation ever created and at its core it is an invisible war against the population.
Debt is the weapon used to conquer and enslave societies. Interest is its prime ammunition.
The majority walks around oblivious to this reality while banks in collusion with governments and corporations continue to perfect and expand their tactics of economic warfare.

December 29, 2015·  Jennifer · No Comments
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Protected: Social Security Claiming Strategies for Married Couples

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July 16, 2015·  Jennifer · Enter your password to view comments.
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There is actually a best way to buy your life’s needs and wants to fulfill your dreams.

 IBC 3 ways to save for your needs

 If You Have Dreams… We Have The Solutions…

How Can I Fulfill My Dreams, you ask?

Everything we do with our money will fulfill our dream or fulfill someone else’s dream.

What does this mean?, I have been asked.

Every decision we make about every penny we earn will either help us fulfill our dreams, if it was an informed decision, or pull us further away from our dreams, if the decision was not based on all the facts regarding our financial circumstances.

If it is pulling us further away from our dreams, then someone else is more than likely profiting and so they are getting closer to their dreams.

Every penny in circulation is earning somebody money and losing somebody else money. It all depends on whether you treat your money like a bank owner does or not.

It is really important to know the true cost of anything we are spending our money on, no matter how we pay for it.

Interest is always working. It is either working for you or working against you, but it never stops working.

Most people are paying so much more interest than what they are ever aware of, even if they are paying with cash.

If you want to get closer to manifesting your dreams, stop fulfilling the banks dreams. Start your money working for you 24/7/365.

Start using a system that helps to make interest work for you more often, right now.

Learn how to simply reposition and maximize your money so you become wealthy in the safest way possible.

Do you even know what your dreams are anymore?

Are you willing to have a paradigm shift in the way you understand banking and read a book called Becoming Your Own Banker by R. Nelson Nash, with an open mind?

Are you willing to take some time to meet with my colleagues and I via online webinar and talk about some little known financial and banking strategies?


Will you choose to do nothing and let your creditors continue to use your money to get rich when you could be using it yourself?

Will you continue to spend cash without realizing you are still paying interest on that cash?

Will you allow the “Sounds too Good To Be True” voice in your head stop you?

Will you continue to do the same thing with your money and get the same results for the rest of your life?

Really, what are you going to do? Something or Nothing?

Contact me today. You have nothing to lose but your dreams.



Jennifer · No Comments
Posted in: Buying - differences

Protected: L52) The historical process by which the original, favored position of whole life deteriorated. Includes the standard features of whole life insurance — such as its traditional use as a savings vehicle as the public often cannot consider IBC if they have (erroneous) preconceptions about whole life insurance.

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April 6, 2015·  Jennifer · Enter your password to view comments.
Tags:  · Posted in: CLIENT LESSONS, L52) History of Whole Life

If You Do Not Govern Yourself, You Will Be Governed, Free webinar by Lawrence W. Reed, President of Foundation of Economic Education.

FREE Webinar titled “Are We Good Enough for Liberty?”

by Lawrence W. Reed, President of Foundation of Economic Education.

Register today and receive a free copy of Larry’s book – “Are We Good Enough for Liberty?”

When: March 31, 2015 @ 7:00 pm – 8:00 pm

Where: Webinar

Cost: Free

Lawrence W. Reed

We believe the key for individuals and families to meet the current and future economic challenges is for them to better understand the value of certainty and how to achieve their maximum financial potential with the least degree of risk.

Our events are educational based. We share information about financial strategies and discuss their use in financial planning in a seminar format. It is entertaining and engaging. We do not solicit the sales of financial products or services in our seminar environment.

There is absolutely no obligation to attend our events.

Just click on this link to register:


March 24, 2015·  Jennifer · No Comments
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Forever Taxed or Never Taxed – If You Have Taxable Savings, You Have a Problem; by Established CPA and tax adviser, Ed Slott

Forever Taxed or Never Taxed – What does your retirement plan include?

If you have taxable savings – you have a problem, and so do your beneficiaries!

Forever Taxed or Never Taxed - Ed Slott

Life insurance may be the most under used strategy to protect large retirement balances from being decimated at the highest levels of taxation. Who is most at risk? Those of you who have the largest IRA’s or other tax deferred savings accounts.

Most people don’t understand how life insurance works as an effective planning tool. Life insurance can fix lots of retirement problems and even create wealth; and tax free wealth.

Understand what life insurance tax planning can do for you both during your lifetime and after your death.

Ed wants you to understand what’s in it for you from an unbiased, objective, tax advantaged point of view. Let Ed tell you why he thinks life insurance is the missing piece in most peoples retirement and estate plans.

The tax exemption for life insurance is the single biggest benefit in the tax code.

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March 4, 2015·  Jennifer · One Comment
Tags: , , ,  · Posted in: TAXES, Taxes Forever or Never Taxed

Protected: L 51) L M R 2015

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February 11, 2015·  Jennifer · Enter your password to view comments.
Tags:  · Posted in: CLIENT LESSONS, L51) L M R 2015

Wealth Seminar – Free Dinner and Educational Workshop on Unique Financial Strategies. California


VERY IMPORTANT:  PLEASE, let me know you are going so I can give Bob your name and have my colleague welcome you.

You can contact me via, text, phone call or email at (845) 649-7487 or to register

Bob Means seminar



New Location, very close to advertized location.

California Pizza Kitchen 12171 Seal Beach Blvd. Seal Beach, CA. 90740

February 7, 2015·  Jennifer · No Comments
Posted in: CA Wealth Seminar Feb 2015, EVENTS, Feb 2015 CA Live Seminar, INTRODUCTORY WEBINARS

Feb. 2015 Dinners – Creating Financial Certainty in Uncertain Economic Times. You Are Invited

Please be so kind as to make sure you mention Jennifer Hansen of Debt Diagnosis invited you. Thank you. Please enjoy a free meal on us. I am in New York so will not be attending but if you let me know that you are going, I will have my great friend and mentor Craig Floyd or Jason Henderson meet with you in person. My number is (845) 649-7487 and my email is Contact me via text, phone call or email.

Alliance Dinners Feb 2015

February 6, 2015·  Jennifer · No Comments
Posted in: Uncategorized

If What You Thought To Be True About Money Turned Out Not To Be True, When Would You Want To Know That?

If What You Thought To Be True About Money Turned Out Not To Be True, When Would You Want To Know That?

Making One Small Change can open up a whole new world. Are you game enough to give it a go?

Under­stand, how right now, you are the loaner of your money, but you can be the owner of your money.

One small change

Understand, how right now, you are the loaner of your money, but you can be the owner of your money.

A Scientist bought a potted plant and gathered some caterpillars and lined them up around the rim of the pot and watched them walk around and around without ever stopping, or even slowing down. Around and around they went. As long as they were following the one in front they felt like they were going somewhere. After a week of endless starvation and exhaustion they fell off, one by one and died. They never learned that all they had to do was to make one small change moving an inch, a centimeter or even a millimeter or to the right or the left and their lives would have been changed.

Isn’t this how most people do their banking?

This is what everyone does!

It has always been this way!

What other way could there possibly be?

How could the way I bank make much of a difference?

I trust my banks professionals to advise me for my benefit not the banks benefit.

There is wealth all around us but we have tunnel vision. I am asking that at least for our meetings, you allow yourself to turn your gaze a little to the right or to the left so a financial paradigm may take place for you.

February 1, 2015·  Jennifer · No Comments
Tags: , , ,  · Posted in: FINANCIAL EDUCATION 101, Truth About Money

Do you have NO-LAPSE Protection Strategies on Your Whole Life Insurance Policy? Free Evaluation.

Are you finding it difficult to pay your whole life insurance premiums?

Don’t lose your policy by just stopping your payments. You own a valuable asset. There are many strategies you can use to either keep it alive for your loved ones, or benefit from the built up cash or death benefit now, while you are alive. If you need help deciding your options, please call me today so we can evaluate them for you. Don’t throw away good money. We can show you how you can benefit from it now, or how your loved ones can help you now and benefit from it later. Even though we believe in keeping it in the family, if you so wish, we can also find outside of your family parties to help.

No-Lapse Protection on your wholelife insurance policy update

January 31, 2015·  Jennifer · No Comments
Tags: , ,  · Posted in: BANKING with INSURANCE, Benefits of Permanent Insurance, NO-LAPSE Protection Strategies

Mortgages and More…. Multi Tasking Dollars for Real Estate and How is Buying a Home/Real Estate, a Wealth Transfer?

Mortgages and More....



Password: Call me for an appointment, Jennifer Hansen 845-649-7487


Password: Call me for an appointment, Jennifer Hansen 845-649-7487


Password: Call me for an appointment, Jennifer Hansen 845-649-7487

January 25, 2015·  Jennifer · No Comments
Posted in: Uncategorized

Fallacious Accounting by Our Government – 15 Nobel Prize Winners, 1,000 Top Economists come together. JOIN IN TODAY

America in Worse Fiscal Shape than Detroit-Professor Laurence Kotlikoff By Greg Hunter On December 4, 2013 In Market Analysis 109 Comments

KotlikoffBy Greg Hunter’s

Boston University Economics Professor, Laurence Kotlikoff, says, “The country is in worse fiscal shape by many miles than Detroit. So, the country is essentially bankrupt.” Dr. Kotlikoff estimates the long term debt and liabilities of America are more than $200 trillion! He is spearheading a bill in Congress called The Inform Act. It is an attempt to wake up the nation to our dire financial situation so something can be done to fix this enormous problem. Dr. Kotlikoff explains, “The bill has been endorsed by over 1,000 economists, including 15 Nobel Prize winners in economics . . .Never in the history of this country have this many top economists from all political persuasions endorsed a piece of legislation like this.” Dr. Kotlikoff and his fellow economists all contend, “The country needs to do honest accounting.” The professor charges the government is “disguising the true problem.” Dr. Kotlikoff says, “The government is printing mountains of money to pay its bills. The Fed is printing 29 cents of every dollar that Uncle Sam is spending.” What happens if this continues? Dr. Kotlikoff says, “Eventually somebody recognizes this and starts dumping the bonds, and interest rates go up, and inflation takes off, and were off to the races.” In closing, Dr. Kotlikoff warns, “This is going to crash, but there are different ways for cancer to kill you. It can be very gradual . . . or it can attack some organ and you can die overnight. Either of those outcomes can happen.” Join Greg Hunter as he goes One-on-One with Professor Laurence Kotlikoff.

Click on video even if greyed out. 


Professor Kotlikoff and, indeed, virtually the entire economics profession, are appealing for your help to get your members of Congress, starting with your Senators, to pass this vital law.

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January 19, 2015·  Jennifer · No Comments
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STUDENT LOAN SCENARIO – how can $4,000 actually increase your wealth by $18,299.32?

 How many student loans do you own? Blindly paying monthly payments without understanding what is really going on behind the scenes with each of your loans can create devastating unmanageable increasing debt load. Let me help you understand what is going on with your debts and come up with a plan so there will be a light at the end of the tunnel. If you are ready to go to work, we are ready to help you save. call us if you have a burning desire to get out of debt.

Financial Prison

KN Debts

Focusing on just one loan:

3rd Sallie Mae loan for $12,178.42 being charged a 9% interest rate and student being told $88.60 is her required monthly payment.

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January 8, 2015·  Jennifer · No Comments
Tags: , , , ,  · Posted in: 529 vs 7702, COLLEGE SAVINGS PLANS, Comparison College Savings, Get out of Financial Prison, Save Interest with Student Loans, STUDENT LOAN MISINFORMATION, Uncategorized

GAMES LENDERS PLAY WITH YOUR STUDENT LOANS – Student Loan Misinformation that causes lifelong increasing debt.

The owner of this student loan has been told by the lender her monthly payment need only be $48, and that is what she has been paying for a number of years. She believes that the loan is a ten (10) year loan also.

Why isn’t basic loan mathematics a requirement to understand before anyone can legally lend someone money?

Below is an example of one of her NINE student loans. Her govt. Sallie Mae loans have a 9% interest rate.

The Keyensian Economic system, which is based on debt, is killing our country, destroying our youths financial potential, and is turning every citizen into a slave of the state. Each parent should take on the responsibility of teaching their children How Money Really Works. If you don’t know, then call me today, Jennifer Hansen 845-649-7487.

The amortization schedule below has a monthly payment of $89.88. That is $41.88 more than she has been paying. Even so, it will take her 20 years to pay it off with a 3.7% interest rate. However……..

PLEASE LOOK AT THE VOLUME OF INTEREST HIGHLIGHTED IN YELLOW – 41.673% is actual interest dollar percentage of loan amount originally borrowed she will be paying. $6,345.20 is 41.673% of $15,226.00.

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January 4, 2015·  Jennifer · No Comments

L50) The world’s mega banks now have official permission to pledge depositor accounts as collateral to make leveraged derivative bets


Wow!!  If there was ever a compelling reason to back away from banks and “too big to fail” ones particularly, and look for refuge in Whole Life Insurance, here’s plenty of reason…best regards to all, Michael E.

Thanks Michael.

————————- TEXT OF ARTICLE ————————-

It’s Official: The Worldwide Bail-ins Are Coming

By Mark Nestmann • December 23, 2014

In case you missed the announcement, Cyprus-style bail-ins are coming to a bank near you.

On November 16, leaders of the G20 Group of Nations – the 20 largest economies – made an important decision. The world’s mega banks now have official permission to pledge depositor accounts as collateral to make leveraged derivative bets. And if they lose a bet, the counter-party to the contract has first dibs on your money.

The governments of these 20 countries are now supposed to put these arrangements into law. Most, including the US, have already done so.

You could be forgiven for not paying much attention to the G20 meeting, because it was mostly “more of the same” – the latest plan to have central banks inject trillions more dollars into the global economy.

But the G20 also endorsed a proposal with a mind-numbingly tedious title: Adequacy of Loss-Absorbing Capacity of Global Systemically Important Banks in Resolution. Not exactly a page-turner. Your average American is more likely to watch Chicago Fire than to delve into the minutiae of the global financial system.

But this proposal profoundly changes the rules for banking globally, and not in a good way. Deposits in banks that are “too big to fail” will be “promptly recapitalized” with their “unsecured debt.” This avoids those nasty taxpayer-funded bailouts that proved so politically unpopular during the 2008-2009 financial crisis.

And the largest chunk of unsecured debt is your bank deposits. Insolvent banks will recapitalize themselves by converting your deposits – checking accounts, but also money market accounts and CDs – into stock.

Thus, when you deposit money in a bank, you’re taking the same risk as someone buying a stock. Or, for that matter, betting on a horse named “Falling Star” at the local racetrack. Because, in effect, that’s what banks are doing with your money.

The G20 has also officially declared that derivatives –the toxic contracts Warren Buffett calls “financial weapons of mass destruction” – are secured debts. Since your bank deposits are now only unsecured debt that the bank has pledged to a secured creditor, guess who gets your money if the bet goes the wrong way for the bank? Answer: It’s not you.

Heads, the bank wins. Tails, you lose.

Fortunately, “insured deposits” won’t be subject to this treatment. In the US, 100% of deposits in insured banks are protected up to $250,000 per depositor, courtesy of federal deposit insurance. But it’s hardly reassuring that this fund has a reserve ratio under 1%. For every $100 on deposit, the FDIC has less than one dollar to back it with.

This is still a lot of money – $54 billion at the end of September. But it’s dwarfed by $6 trillion in insured deposits, not to mention derivatives contracts with a total value of nearly $300 trillion. Indeed, the failure of just a single major Wall Street bank could exhaust the fund.

Federal law authorizes borrowing from the US Treasury to make up the shortfall, but when a banking crisis hits, it’s not likely to occur in a vacuum, as I described in this essay. Lots of other people will be demanding a handout, many of them with stronger political connections than you or I could ever hope to muster.

How bad could it get? Well, under the scenario the G20 just blessed, uninsured bank depositors would be even worse off than account-holders in the government-owned banks in Cyprus that became insolvent in 2013. Their claims were considered superior to those of derivative counter-parties. Some uninsured depositors got almost half of their money back (although at one government-owned bank, they got nothing).

A more apt example would be Lehman Brothers. When it declared bankruptcy in 2008, unsecured creditors got about 21 cents on the dollar.

You might be wondering why the G20 made this decision. The obvious incentive is to avoid politically unpopular bailouts of mega-banks that are “too big to fail.”

But there’s a less obvious reason as well. The G20 hopes that you’ll invest in government bonds backed by the “full faith and credit” of its member governments. That will have the effect of keeping down interest rates on the alarmingly high debt carried by almost every G20 member.

How can you protect yourself?

The most important precaution is to minimize your exposure to the banking system. Keep bank deposits well below the deposit insurance maximums. Accumulate physical currency, precious metals, and other “real assets.”

Diversifying your investments internationally also makes sense, but because bail-ins have now gone global, it’s no longer as simple as just opening an account outside the US or whatever other country you live in. Use only strong, well-capitalized banks to hold the funds you keep in the banking system. Look for banks with as high a level of “Tier 1” liquidity as possible – 25% at the minimum. (By comparison, the minimum required in the US is only 6% to be classified as “Well-Capitalized.”) If you have at least $500,000 or so to spare, open an account with an offshore private bank that has no commercial lending or derivatives exposure.

I don’t know when the next global financial crisis will hit. But when it does, I do know who will pay for it. And it won’t be the bankers or the financial geniuses who designed the “financial weapons of mass destruction” that led to their downfall.

Get your assets out of the “too big to fail” banks – now. It’s only a matter of time before the *HTF.

Mark Nestmann

December 30, 2014·  Jennifer · No Comments
Tags: , , , ,  · Posted in: CLIENT LESSONS, L50) G20 Decision

IRS Code 7702 – Who Wins When You Play Chess With Yourself?

Understanding the players in the financial game can help you win with each move you make.

7702- Who Wins When You Play Chess With Yourself

December 7, 2014·  Jennifer · No Comments
Tags: , , ,  · Posted in: 7702, BANKING with INSURANCE, Life Insurance with Living Benefits

Will Taxes Decrease or Increase in the Future?


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December 3, 2014·  Jennifer · No Comments
Posted in: Uncategorized

College Costs Increase for 2014/2015

College Costs Increase for 2014/2015

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December 2, 2014·  Jennifer · No Comments
Tags: , , ,  · Posted in: College COSTS Increase, COLLEGE SAVINGS PLANS

Protected: GRATITUDE – the Virtue that Creates Abundance.

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December 1, 2014·  Jennifer · Enter your password to view comments.
Posted in: Uncategorized

Protected: Multi-tasking Dollars using Life Insurance and Real Estate as an Investment Opportunity.

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November 19, 2014·  Jennifer · Enter your password to view comments.

Divided We Fall, United We Conquer. Same goes for your dollars!


Find more information here:

November 16, 2014·  Jennifer · No Comments
Tags: , , ,  · Posted in: Multi-Task Your Money, Unite Your Dollars

Democracy or Legal Plunder?

November 15, 2014·  Jennifer · No Comments
Posted in: Uncategorized

Do What Banks Do

Wouldn’t you rather bank like a banker instead of like a consumer? Ask me how today!

See how banks really earn their millions –

For more information check out this blog post:

November 15, 2014·  Jennifer · No Comments
Tags: ,  · Posted in: Bank Like A Bank, Do What Banks Do

COLLEGE SAVING CHOICES with Benefits Comparison

There are so many occasions we buy gifts for our loved ones throughout one year.  Once a year everyone has a birthday. Once a year it is also Christmas, Hanukkah, Kwanza, Easter, and New Year. Graduation from pre-school, kindergarten, elementary school are also times we gift our children. How about considering, instead of buying them some junk, you do something that will last them a lifetime. Save for their education.

So let’s begin by comparing benefits of the different choices people typically use to save for their loved one’s future education. Are you looking for restricted use or flexible use of your dollars, over at least a possible 22 year period of time? Guaranteed growth or no guarantees? Risk of 100% loss or no loss provisions? One use of each dollar or multiple uses for each dollar? Depending on what you are looking for will help you decide which of the following financial vehicles is right for you to save for your child, grandchild’s or great grandchild’s future education. Read the rest of this post »

November 10, 2014·  Jennifer · No Comments
Posted in: 529 decline for college, 529 vs 7702, College Planning, COLLEGE SAVINGS PLANS, Comparison College Savings, Tuition Tracking Software