If you want to update a cash-value life insurance policy or annuity, you may have heard of the 1035 exchange. This IRS provision, based on Section 1035(a)(3) of the IRS code, allows you to exchange ...

A reciprocal insurance exchange empowers policyholders to take charge of their coverage. Much like mutual insurance companies, reciprocals are owned by the people they protect — the policyholders. But ...

Life insurance policy exchanges provide policyholders with the opportunity to replace their existing life insurance policy with a new one that better aligns with their current needs and objectives.

Learn when and how to make a tax-free switch into a new life insurance policy or annuity if your needs change A 1035 exchange lets you make a tax-free switch from one cash value life insurance policy ...