Nominee vs. Assignee: Clarifying Rights in Indian Life Insurance

Imagine you are conducting due diligence on a high-net-worth individual’s portfolio for a wealth management recommendation. You notice a substantial life insurance policy pledged as collateral for a commercial loan....

Strategic Debt: When Bank Loans Outperform Insurer Policy Loans

Imagine you are reviewing a client’s personal balance sheet during an annual financial planning audit. The client is currently leveraging a surrender-value-based policy loan from their life insurer at a preferential rate...