🧵 How to Engineer Your Risk Transfer - FINAL (3/3) Carrier selection isn’t about finding the highest payout - it’s about finding the most reliable payout. A company offering 10% more monthly income means nothing if they can’t deliver it for 30 years. The 2008 financial crisis was the real test. Some insurance companies needed bailouts, others didn’t miss a single payment. That track record matters more than marketing brochures. Financial strength ratings exist for a reason. A.M. Best A carriers
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