Some policies may offer accelerated benefits or similar options. Such alternatives allow you to receive some money from your policy before death, while leaving a portion for your beneficiaries. A viatical settlement may conflict with your financial goals. Make sure decisions made before your death will not leave your family in financial difficulty. Ratings are an important consideration when you are evaluating contracts from different companies.
Ratings are an objective way to determine a company s stability and financial strength.
Ratings are based on factors including profitability, management practices, asset quality, adequacy of reserves and capitalization. Consumers should be aware that each rating agency uses different criteria and methods to determine its ratings. Estate Planning 1. The trustee manages the trust. Beneficiary - One or more people who benefit from a trust.