LAPSED

<p><strong style=color: rgba(40 60 70 1)>Will your universal life insurance policy <em>LAPSE </em>while you <em>are still alive?</em></strong></p><p><strong style=color: rgba(40 60 70 1)>Attention Policyholders</strong><span style=color: rgba(40 60 70 1)>: If you own a universal life insurance policy (</span><strong style=color: rgba(40 60 70 1)>UL IUL VUL</strong><span style=color: rgba(40 60 70 1)>) or </span><strong style=color: rgba(40 60 70 1)>Group UL/VUL </strong><span style=color: rgba(40 60 70 1)>insurance policy from </span><strong style=color: rgba(40 60 70 1)>ANY </strong><span style=color: rgba(40 60 70 1)>life insurance provider you must purchase this book to learn why your permanent policy could lapse (cease to exist) despite making all your payments. </span></p><p><strong style=color: rgba(40 60 70 1)>Attention Investors</strong><span style=color: rgba(40 60 70 1)>: If you are an investor (bonds or equities) in the life insurance sector you must purchase this book to understand the massive risk to which you are exposed. </span></p><p><span style=color: rgba(40 60 70 1)>After researching over 5000 MetLife individual UL and VUL policies totaling over </span><strong style=color: rgba(40 60 70 1)>$1000000000 </strong><span style=color: rgba(40 60 70 1)>($1B) in death benefits author and financial advisor Elan Moas exposes how these policies are designed to fail rather than succeed. In Q1 2023 he presented his findings to the state of Massachusetts the SEC and submitted two new whistleblower complaints based on his research. His findings show why </span><strong style=color: rgba(40 60 70 1)>90%</strong><span style=color: rgba(40 60 70 1)> of these policies will likely lapse before paying a death benefit. The research reveals how:</span></p><p><span style=color: rgba(40 60 70 1)>· Lapsing UL and VUL policies are an </span><em style=color: rgba(40 60 70 1)>entire</em><span style=color: rgba(40 60 70 1)> life insurance industry problem not just MetLife</span></p><p><span style=color: rgba(40 60 70 1)>· Target funding is where advisors and insurers maximize their commission but leave the insured with a policy destined to lapse. </span></p><p><span style=color: rgba(40 60 70 1)>·  The May 2023 IUL Actuarial Guideline 49B (AG49B) update means that IUL</span><em style=color: rgba(40 60 70 1)> </em><span style=color: rgba(40 60 70 1)>sales made prior to that date were likely made with </span><em style=color: rgba(40 60 70 1)>wrong</em><span style=color: rgba(40 60 70 1)> investment illustration assumptions. The IUL chapter will leave </span><em style=color: rgba(40 60 70 1)>all</em><span style=color: rgba(40 60 70 1)> IUL policyholders horrified.</span></p><p><span style=color: rgba(40 60 70 1)>· Group UL/VUL policies offered to entire states and Fortune 500 companies are full of fatal structural policy flaws.</span></p><p><span style=color: rgba(40 60 70 1)>· Older adults' cash values are wiped out prior to their policy lapsing. That is elder abuse.</span></p><p><span style=color: rgba(40 60 70 1)>· To request your very own in-force illustration which is the future policy projection.  </span></p><p><span style=color: rgba(40 60 70 1)>The unfortunate result of decades of life insurance industry greed and regulatory oversight incompetence will lead to the </span><strong style=color: rgba(40 60 70 1)>Subprime Universal Life Insurance Company Crash of 2023. </strong><span style=color: rgba(40 60 70 1)>Which company will be the next Lehman Brothers? </span>www.MoasConsulting.com</p>