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”
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”
