Life insurance innovation is just like innovation in every other aspect of our lives. It’s a new technology, a new financial weapon system, that’s been developed in recent decades. People haven’t been able to figure out how to employ it, especially the financial professionals, because it’s a “bringing your new toys to an old fight” type of approach. But I believe that in the coming decades this new approach is going to become more and more common because of the way the financial system is going to play out and the amount of true risk involved with people’s money―whether it’s the risk of a stock market crash, the risk of taxes going up, the risk of getting sued, the risk of losing jobs, or the risk of just plain not having liquid assets in the right places. 

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