What is misunderstood about PenMaxx?
Pension Maximization has been a concept for over 40 years. The most often misunderstood aspect of this whole concept, and some “expert” financial advisors miss entirely, is the underwriting process. The insurance company underwriting process has proven very reliable over hundreds of years. If the insurance company accepts the life insurance risk, the pre-retiree can be assured, the underwriter felt their life expectancy was longer than average. Pension Concepts is amazed at how that knowledge, as critical as it is, is often ignored. How can any one predict the order of death? The J&S assumes the retire dies first and if that isn’t the case the J&S doesn’t work at all.
