Web1035 Tax-Free Exchange Case Study. Bertha has a $1000,000 universal life policy with a $30,000 cash value. And she is paying a premium of $3,000 per year. She learns that his … Web1035 Tax-Free Exchange Case Study. Bertha has a $1000,000 universal life policy with a $30,000 cash value. And she is paying a premium of $3,000 per year. She learns that his insurance company is in financial trouble and is not comfortable staying with his company.
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