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Three Points Blog
Article

In the world of advanced life insurance design, we often talk about risk mitigation and tax efficiency. But for Women’s History Month, we wanted to explore the narrative behind those numbers.

We sat down with Adele Zilber, CFP®, CLU®, ChFC®, Managing Director, Signature Private at Highland Capital Brokerage – Mid Atlantic. With a career spanning nearly three decades, Adele has become a leading voice in helping high-net-worth women and families navigate the complexities of longevity, legacy, and leadership.

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March 2, 2026
Product Update

The carrier landscape of early 2026 is defined by structural resilience. As we move into March, the focus has shifted toward long-term policy integrity and jurisdictional expansion. At Three Points, we see this as the “Year of the Architecture,” where the value of a solution is found not just in its current cap rate, but in the sophisticated mechanics designed to sustain it through a fifty-year horizon.

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February 27, 2026
Product Update

As we move into February, the carrier landscape is defined by aggressive product launches and strategic pricing adjustments. From John Hancock’s new protection-focused IUL to Lincoln’s term reprice, here is the latest news from major national carriers.

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February 2, 2026
Article

It is easy to illustrate high returns in a vacuum, but real financial wellness is built on how a policy performs under imperfect conditions. In this sequel to last month’s analysis, we are stress-testing a new case example using a 200-basis-point haircut to the AG49 rate dropping it from 6.59 to 4.59% and a forced 0% index credit every fifth year.

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February 2, 2026
Video

Closing the deal is just the start. The true longevity and success of a sophisticated insurance solution rely on post-design analysis. In the latest installment of our Services Highlight Reel, we dive into our Custom Analytics service. Our commitment to precision extends beyond the initial design phase. Custom analytics are crafted post-market run and design completion, empowering you with comprehensive insights to effectively present and navigate your client strategy.

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December 30, 2025
Article

IUL debates are nothing new, but with the Kyle Busch/Pacific Life IUL lawsuit making headlines, the product’s mechanics are getting even more attention than usual. While high-profile litigation often focuses on performance expectations, there is a persistent myth that if the index posts 0%, the IUL will lose cash value.

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December 30, 2025
Product Update

As we kick off the new year, the life insurance landscape for January 2026 is dominated by record-breaking dividend announcements from major mutual carriers and strategic product shifts designed for long-term stability. Here is your January 2026 Product Update.

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December 30, 2025
Video

Building upon the insights gained from the preparation phase, we embark on the journey of case design. Our seasoned professionals delve into each product and carrier, meticulously selecting the optimal combination to achieve the perfect case model tailored to your objectives.

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November 27, 2025
Video

Before diving into the intricacies of your case, we meticulously examine every aspect of the fact pattern. Our expert team prepares your case for its initial market run and analysis, ensuring a solid foundation for success.

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November 27, 2025
Article

The end of the year is not just a time for revenue targets; it is a critical window for advanced life insurance case design and implementation. For firms focused on the High-Net-Worth (HNW) and Ultra-High-Net-Worth (UHNW) markets, December presents a unique opportunity to align planning objectives, lock in client advantages, and position complex strategies for successful funding.

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November 26, 2025