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...y-market fund managers invest in Treasury or other government securities, shor... high. It is a systematic investment program. The investor who utilizes this ...

... But again, be sure they realize that this sum may be generated by cashing in their present Life policies. Standard-vehicle investors: Over $1 trillion is invested right now in standard vehicles such as Certificates of Deposit, passbook savings accounts, money market accounts, and treasury bills. About 75% of your clients and prospects have one of these investments. Municipal bond holders: A substantial number of your clients and prospects invest in municipal bonds-the municipal bond market amounted to $97 billion in 1986. What are the drawbacks? The ... case of a policyholder losing guaranteed cash values or guaranteed interest because of a Life company failure or bankruptcy. However, you do need to examine your companies to judge which may or may not maintain current interest rates and values. The elements you'll want to examine are listed below. Here's the information you'll need: First, obtain an annual statement for each carrier you're considering-these are filed with your state insurance department. Also, obtain the larger Best's report or the condensed individual company Best's reports furnished by most companies. Take advantage of ... by the carriers you choose should correspond to the length of time the average client invests in the product. Investments in common stock or other non-fixed income investments is a major mismatching (in most cases) of Single-Premium Whole Life liability with the assets backing it. Longer-term bonds have substantial interest rate risk. A rising interest rate environment is especially dangerous to long-duration bond portfolios because depressed bond values make the bonds very illiquid just at the time when cash outflows may be highest. Investment Guidelines: It's up to you to judge the viability ...

...unts, money market accounts, and treasury bills. About 75% of your clients and...Premium Whole Life assets in place of bonds or real estate may increase a fami...

... : 500 authorized shares of common, $50 par value, voting stock of which 70 shares are fully paid and non-assessable, issued and outstanding, owned of record and beneficially by the Sellers as set forth in section 1 hereof and 30 shares are held in the Treasury of the Agency. No additional shares of stock shall be created or issued prior to the Closing Date by stock division or otherwise. Except as set forth above, no shares of capital stock, and no options, warrants or rights of any kind to acquire ... all such receivables. At the time that such payment is made, the Agency shall assign to the Sellers the balance of such uncollected receivables and any amounts collected thereafter by the Sellers shall belong to the Sellers. SCHEDULE 3(t ) contains a complete and accurate list of all tangible personal property owned by the Agency, all of which is owned by the Agency free and clear of all liens, security interests, encumbrances and claims of every name and nature. All of such tangible personal property is now, and on the ... full corporate power and authority to own its assets and to operate its business as carried on by it heretofore. The Agency is, and on the Closing Date will be, duly licensed by the Commonwealth of Massachusetts to conduct a full lines (property, casualty, bonds, life, accident and health) insurance agency business and has the lawful power and authority to conduct all of its business as now conducted. The Agency has all licenses and permits required by any and all jurisdictions in which it transacts business. The Agency has ...

... : 500 authorized shares of common, $50 par value, voting stock of which 70 shares are fully paid and non-assessable, issued and outstanding, owned of record and beneficially by the Sellers as set forth in section 1 hereof and 30 shares are held in the Treasury of the Agency. No additional shares of stock shall be created or issued prior to the Closing Date by stock division or otherwise. Except as set forth above, no shares of capital stock, and no options, warrants or rights of any kind to acquire ... all such receivables. At the time that such payment is made, the Agency shall assign to the Sellers the balance of such uncollected receivables and any amounts collected thereafter by the Sellers shall belong to the Sellers. SCHEDULE 3(t ) contains a complete and accurate list of all tangible personal property owned by the Agency, all of which is owned by the Agency free and clear of all liens, security interests, encumbrances and claims of every name and nature. All of such tangible personal property is now, and on the ... full corporate power and authority to own its assets and to operate its business as carried on by it heretofore. The Agency is, and on the Closing Date will be, duly licensed by the Commonwealth of Massachusetts to conduct a full lines (property, casualty, bonds, life, accident and health) insurance agency business and has the lawful power and authority to conduct all of its business as now conducted. The Agency has all licenses and permits required by any and all jurisdictions in which it transacts business. The Agency has ...

... : 500 authorized shares of common, $50 par value, voting stock of which 70 shares are fully paid and non-assessable, issued and outstanding, owned of record and beneficially by the Sellers as set forth in section 1 hereof and 30 shares are held in the Treasury of the Agency. No additional shares of stock shall be created or issued prior to the Closing Date by stock division or otherwise. Except as set forth above, no shares of capital stock, and no options, warrants or rights of any kind to acquire ... all such receivables. At the time that such payment is made, the Agency shall assign to the Sellers the balance of such uncollected receivables and any amounts collected thereafter by the Sellers shall belong to the Sellers. SCHEDULE 3(t ) contains a complete and accurate list of all tangible personal property owned by the Agency, all of which is owned by the Agency free and clear of all liens, security interests, encumbrances and claims of every name and nature. All of such tangible personal property is now, and on the ... full corporate power and authority to own its assets and to operate its business as carried on by it heretofore. The Agency is, and on the Closing Date will be, duly licensed by the Commonwealth of Massachusetts to conduct a full lines (property, casualty, bonds, life, accident and health) insurance agency business and has the lawful power and authority to conduct all of its business as now conducted. The Agency has all licenses and permits required by any and all jurisdictions in which it transacts business. The Agency has ...

... : 500 authorized shares of common, $50 par value, voting stock of which 70 shares are fully paid and non-assessable, issued and outstanding, owned of record and beneficially by the Sellers as set forth in section 1 hereof and 30 shares are held in the Treasury of the Agency. No additional shares of stock shall be created or issued prior to the Closing Date by stock division or otherwise. Except as set forth above, no shares of capital stock, and no options, warrants or rights of any kind to acquire ... all such receivables. At the time that such payment is made, the Agency shall assign to the Sellers the balance of such uncollected receivables and any amounts collected thereafter by the Sellers shall belong to the Sellers. SCHEDULE 3(t ) contains a complete and accurate list of all tangible personal property owned by the Agency, all of which is owned by the Agency free and clear of all liens, security interests, encumbrances and claims of every name and nature. All of such tangible personal property is now, and on the ... full corporate power and authority to own its assets and to operate its business as carried on by it heretofore. The Agency is, and on the Closing Date will be, duly licensed by the Commonwealth of Massachusetts to conduct a full lines (property, casualty, bonds, life, accident and health) insurance agency business and has the lawful power and authority to conduct all of its business as now conducted. The Agency has all licenses and permits required by any and all jurisdictions in which it transacts business. The Agency has ...

... : 500 authorized shares of common, $50 par value, voting stock of which 70 shares are fully paid and non-assessable, issued and outstanding, owned of record and beneficially by the Sellers as set forth in section 1 hereof and 30 shares are held in the Treasury of the Agency. No additional shares of stock shall be created or issued prior to the Closing Date by stock division or otherwise. Except as set forth above, no shares of capital stock, and no options, warrants or rights of any kind to acquire ... all such receivables. At the time that such payment is made, the Agency shall assign to the Sellers the balance of such uncollected receivables and any amounts collected thereafter by the Sellers shall belong to the Sellers. SCHEDULE 3(t ) contains a complete and accurate list of all tangible personal property owned by the Agency, all of which is owned by the Agency free and clear of all liens, security interests, encumbrances and claims of every name and nature. All of such tangible personal property is now, and on the ... full corporate power and authority to own its assets and to operate its business as carried on by it heretofore. The Agency is, and on the Closing Date will be, duly licensed by the Commonwealth of Massachusetts to conduct a full lines (property, casualty, bonds, life, accident and health) insurance agency business and has the lawful power and authority to conduct all of its business as now conducted. The Agency has all licenses and permits required by any and all jurisdictions in which it transacts business. The Agency has ...

...of and 30 shares are held in the Treasury of the Agency. No additional shares ...owledge of any one or more Customers listed on SCHEDULE 3(ff) which does not i...