$15M Case without a Traditional Exam & Paramed
Exam and Paramed Free Underwriting isn’t Just for Small Face Term! Check out How we Placed $15MM without Traditional Underwriting Requirements.
A Buy-Sell Arrangement that Benefits the Living and the Dead
A Plan that Helps Business Owners Leverage Business Insurance Assets to Solve Their Need for Long-Term Care Coverage.
Asset Location: The Missing Piece of an Effective Asset Allocation Strategy
How to Integrate the Unique Tax Attributes of Life Insurance to Reduce Relative Risk in an Asset Allocation Model.
Becoming an Insurtech Enabled Advisor
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.
Can You Spend the Same Dollar Twice?
A Strategy that Solves the Erosion of Living Benefits that Occurs When Life Policies are also Used for Retirement Income.
Cover Letter Provides Financial Underwriting “Breadcrumbs”
Documenting the Recent Sale of a Business Turned a Lack of Financial Justification into Approval of a $15MM Line of Coverage.
Detailed Cardiac Workup Trumps Elevated NT Pro Bnp
Cardiac History Underwriting Comes Down to Which Testing Matters the Most in this Recent Win.
Don’t Outgrow Your Business Insurance
An Approach to Key Person and Buy/Sell Coverage that Grows as a Company Grows.
Effective Reinsurance Negotiation Secures Underwriting Win
Appealing to Reinsurance with a Re-packaged Underwriting File Bumps Offer from Standard to Best Class Despite Cardiac History.
Executive Benefits Strategy: A Fresh Approach
Offering a pleasingly different benefit to Key Executives via a 162 Bonus Plan.
Flexible Funding Strategies for ILITs
There’s More to the Trust Funding Story than Annual Exclusion Gifts, Particularly as the TCJA Sunset Approaches.
How to Use Your LTC Premiums to Reduce Your Tax Bill
Learn About the Multiple Tax-Advantaged Strategies for Individuals Paying Long-Term Care Insurance Premiums.
Indexed UL with an Exit Strategy
A Strategy that Offers Clients an Elegant Solution to Potential Future Reductions in Cap and Par Rates.
Making the Case for Annuity-Based Asset-Based LTC Products
Demonstrating how taxes could make an annuity-based product a superior ABLTC solution funded by an existing annuity.
Multiple DUI History Overcome to Allow Buy/Sell Funding to Move Forward
Conflicting Office Notes Cause Initial Concern, but are Quickly Resolved with Repackaging and Letter from the Client’s Physician.
Overcoming an Abnormal EKG
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.
Planning for a Long-Term Care Public Option
Helping advisors and clients make effective planning decisions around state level LTC legislation.
Rightsizing Your Permanent Insurance in Retirement
Repurposing Permanent Single Life Policies to Fund Care Costs for Both Husband and Wife Without Paying a $1 in Taxes.
Shielding a Legacy from the Impact of the TCJA Sunset
A Strategy for Offsetting Estate Erosion when Estate Tax Exclusion Limits fall post TCJA Sunset.
Solving the Challenge of a Stretch IRA
A Strategy for Moving Gains from Inherited IRA Assets Out of the Tax System.
Solving the Executive Benefits Gap
Solving the “reverse discrimination” highly compensated executives encounter in typical employee benefits programs.
Strategic Income from Downside Protected Life Insurance
How to effectively integrate permanent cash value life insurance products into a retirement plan.
Succession Solutions for Single Owner Businesses
Businesses with a Single Owner Can Still Execute an Effective Succession Strategy, with or without a Known Successor.
The “Seasoned” Life Insurance Split Exchange
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.
The Buy/Sell Cost Basis Conundrum
Estate tax payers are not the only business owners who should be wary of Stock Redemption Buy/Sell Agreements.
The Connelly Decision “Easter Egg”
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.
The Estate Planning Crawl In
A strategy for helping clients hedge the upcoming TCJA sunset with a minimum commitment of time and premium dollars.
The Long-Term Care and Estate Tax Legislation Hedge
Positioning Clients Today to Withstand Tomorrow’s Potential Changes to Long-Term Care and Estate Planning Legislation.
The Split Annuity Solution for Income and Care Planning
A balanced approach for retirees seeking to protect against the need for future increased, tax-efficient income and cost of care.
The Tax Time Bomb of Self-Funding Long-Term Care Costs
Clients Planning to Self-Fund their Long-Term Care Costs are Creating a Massive Future Tax Liability.