March 8 2019 - Regional Breakfast Meeting (Hamilton & Paramus)
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When: Friday, March 8, 2019
8:30 AM - 10:00 AM
Where: United States

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For a first-time new member CFP® Professional a $220 COMBINED SAVINGS on membership in the Financial Planning Association and member rate for the FPANJ Regional Meeting. Please contact us for more details. This special offer expires 1 week before the meeting.



Date: Friday, March 8, 2019


8:00 - 8:30 AM - Networking
8:30 – 9:30 AM - Presentation
9:30 AM - Q&A

Topic: How to Deal with Life Insurance Policies with Outstanding Loan Balances


Credit Information:
Accepted for 1 CFP® CE by the CFP Board of Standards. 
This meeting also qualifies for 1 Accounting CPE CE.

Accepted for 1 NJ Insurance CE for Life Insurance.
Our Featured Speakers (Click on names for Bios): 
Hamilton: Thomas Cabarle, CSA®, CLTC® - owR Opinion, L.L.C. - Director of Agency Development
Paramus: Charles E. Perrault III CFP®, CLU® 
- Prudential Financial, Inc. - Director, Advanced Markets and Adam Brodman - Prudential - Regional VP for NJ

Program Description: 
Borrowing against the cash value of life insurance policies has been an important advantage for clients who own permanent, cash value life insurance policies. While most policy loans are requested by policy owners to meet a specific need, some policy loans are the unintended consequence of a separate policy owner action, such as the non-payment of scheduled premiums for a whole life policy that has an Automatic Premium Loan feature. Whether intended or not, large policy loans can result in borrowed-upon policies becoming in danger of lapse…with possible taxable ramifications to the client. This one-hour program will investigate how a well-designed policy exchange can accommodate policy loans and improve the client’s position with a strategy that can prevent immediate policy lapse and taxation.
Level of Complexity: Advanced
Registration Fees:
FPANJ Member – Free
Non-Members – $20


Cancellation Policy: ALL cancellations must be made 72 hours prior to the event. Any cancellations made within the 72 hour period of the event unfortunately can NOT be refunded.  

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