A Plan that Helps Business Owners Leverage Business Insurance Assets to Solve Their Need for Long-Term Care Coverage.
How to Integrate the Unique Tax Attributes of Life Insurance to Reduce Relative Risk in an Asset Allocation Model.
With insurtech solutions seemingly on every corner, it’s critical to have a strategy for matching advisors to the right solution with the right opportunity.
A Strategy that Solves the Erosion of Living Benefits that Occurs When Life Policies are also Used for Retirement Income.
Documenting the Recent Sale of a Business Turned a Lack of Financial Justification into Approval of a $15MM Line of Coverage.
Cardiac History Underwriting Comes Down to Which Testing Matters the Most in this Recent Win.
An Approach to Key Person and Buy/Sell Coverage that Grows as a Company Grows.
Appealing to Reinsurance with a Re-packaged Underwriting File Bumps Offer from Standard to Best Class Despite Cardiac History.
Offering a pleasingly different benefit to Key Executives via a 162 Bonus Plan.
There’s More to the Trust Funding Story than Annual Exclusion Gifts, Particularly as the TCJA Sunset Approaches.
Learn About the Multiple Tax-Advantaged Strategies for Individuals Paying Long-Term Care Insurance Premiums.
A Strategy that Offers Clients an Elegant Solution to Potential Future Reductions in Cap and Par Rates.
Demonstrating how taxes could make an annuity-based product a superior ABLTC solution funded by an existing annuity.
Conflicting Office Notes Cause Initial Concern, but are Quickly Resolved with Repackaging and Letter from the Client’s Physician.
In this Case, it’s when the Definition of Abnormal Varies from Underwriter to Medical Director. Our Appeal put this Case in the Win Column.
Helping advisors and clients make effective planning decisions around state level LTC legislation.
Repurposing Permanent Single Life Policies to Fund Care Costs for Both Husband and Wife Without Paying a $1 in Taxes.
A Strategy for Offsetting Estate Erosion when Estate Tax Exclusion Limits fall post TCJA Sunset.
A Strategy for Moving Gains from Inherited IRA Assets Out of the Tax System.
Solving the “reverse discrimination” highly compensated executives encounter in typical employee benefits programs.
How to effectively integrate permanent cash value life insurance products into a retirement plan.
Businesses with a Single Owner Can Still Execute an Effective Succession Strategy, with or without a Known Successor.
Repurposing life insurance assets to more directly address the needs of a retiree, including retirement income, funds to pay for care and leaving a legacy.
Estate tax payers are not the only business owners who should be wary of Stock Redemption Buy/Sell Agreements.
The unanticipated elements of the Supreme Court’s decision in the Connelly case upends stock redemption buy/sell arrangements, suggesting the need for an updated approach to both the type of agreement on its ongoing management.
A strategy for helping clients hedge the upcoming TCJA sunset with a minimum commitment of time and premium dollars.
Positioning Clients Today to Withstand Tomorrow’s Potential Changes to Long-Term Care and Estate Planning Legislation.
A balanced approach for retirees seeking to protect against the need for future increased, tax-efficient income and cost of care.
Clients Planning to Self-Fund their Long-Term Care Costs are Creating a Massive Future Tax Liability.