Rising Rates and Falling Markets

FROM YOUR FRIENDS AT FINANCIAL DESIGNS LTD.

Q4 | 2022

Rising interest rates and a volatile stock market may change the economics around loan regime split dollar life insurance arrangements and third-party premium financing. However, life insurance continues to play a vital role in legacy planning because of its unique value proposition – a source of income tax efficient liquidity, efficient wealth transfer on a multi-generational basis, a mortality hedge, a non-correlated asset class, and strong internal rates of return relative to the current stock market. Advisors should evaluate how higher rates and a volatile market may impact the performance of both new and existing life insurance funding approaches.

FDL Team Connect - Creating a Culture of Excellence

At Financial Designs, our culture and connection with each other has been a cornerstone of our core values and success. This year, we implemented a hybrid work schedule to respond to our team’s request for more flexibility where they worked. To ensure our culture, values, and team remain strong whether employees are in the office or working remote, we have monthly events to gather together in-person, connect, and do something fun. Over the last few months, the FDL team has enjoyed a Cinco de Mayo Fiesta, Summer Ice Cream Social, and TopGolf!

REACH AN FDL ADVISOR

Common Inquiries:

SCHEDULE AN INSURANCE REVIEW

DISCUSS NEW COVERAGE

INTRODUCE A CLIENT OR FRIEND

ARRANGE AN FDL SPEAKER PRESENTATION

ABOUT US | OUR SERVICES | M FINANCIAL GROUP | CONTACT US

Through our relationship with M Financial Group our clients gain access to exclusively priced proprietary products that are not available through traditional agents or brokers.