Most people spend more time and are far more invested in purchasing a new car than their life insurance. Once they buy their policy, they sit back and forget about it. However, like a car, an insurance policy requires ongoing maintenance.
Continue reading “Life Insurance Reviews: Is It Time to Check Under the Hood?”
As the stock market’s bull run extends into its seventh year, investment advisors are increasingly looking to hedge funds and other low-correlation alternative asset classes to generate alpha and diversification for their clients. According to data from BarclayHedge, total assets managed by hedge funds increased 46% from 2010 to 2014. Hedge Fund Research reported that investors allocated $18.2 billion of net new capital to hedge funds in the first quarter of 2015, increasing the hedge fund industry’s total assets to $2.9 trillion.
Most advisors are familiar with the benefits of life insurance as a vehicle for transferring wealth, but few realize how attractive it is from an internal rate of return (IRR) perspective. Often advisors’ perceptions of the costs and IRR potential of life insurance are based on outdated information about policy design and performance. That is why we encourage advisors to revisit the potential benefits of life insurance as a tool for high-net-worth clients to not only transfer wealth, but also to build and protect wealth.
Life insurance can be an important piece of a well-crafted wealth transfer strategy for high-net-worth clients. By removing assets from the client’s taxable estate, permanent life insurance can significantly increase the amount of after-tax wealth parents and/or grandparents can pass on to younger generations.
Continue reading “Premium Alternatives: Exploring Options to Pay for Life Insurance”
No one understands the importance of planning better than business owners. Delivering projects on-time and on-budget for clients requires a tremendous amount of planning and communication.
Continue reading “Succession Planning: A Blueprint for Long-Term Success”
Underwriting a life insurance policy may seem like a straightforward, scientific process. Underwriters look at age, gender and medical history to calculate underwriting classifications and premiums based on projected longevity or mortality.
Continue reading “Negotiated Underwriting: When Carriers Compete, Clients Win”
It’s no secret that planning for long-term care (LTC) is an important consideration for Americans as they approach retirement. Almost 70% of people turning age 65 will need some form of LTC at some point in their lives, according to the U.S. Department of Health and Human Services.
Continue reading “Long-Term Care Insurance: Know Your Options”
On August 6th, Matthew Pressler, Director of Advanced Markets for M Financial Group and Steve Hamilton, Director of the Advanced Consulting Group for Nationwide Insurance Company provided an update regarding current planning trends and legislation within the life insurance industry, delving into the key role M Financial Group plays. During this discussion, the two shared the following highlights from the 2014 LIMRA Advanced Markets Conference held at the Peninsula Hotel earlier that week:
Continue reading “Highlights of the 2014 LIMRA Advanced Markets Conference”
Life insurance can be a very valuable tool for building, protecting and transferring wealth. In addition to protecting families and businesses from loss, life insurance can provide powerful income tax and estate tax benefits, especially for high-net-worth individuals.
Continue reading “Six Common Mistakes People Make With Life Insurance”
