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After a client's work-related injury case was settled, the client had to decide whether to receive a lump-sum payment or a settlement plan. With the help of a structured settlement consultant, see why they determined a settlement plan was the right choice for his family.
You may have clients holding on to a surprisingly large concentration of stock in a single company. At older ages, diversifying may be in their best interest. Life insurance can act as a noncorrelated asset, providing a natural hedge against the market risks of concentrated stock.
A company that routinely bids for large contracts needs to maintain a large pool of working capital, usually held in conservative assets. The cash value of life insurance can be counted as liquid working capital for bond underwriting and while providing a better return.
Like all high-income earners, highly paid employees of non-profits reach a point where they'd prefer to defer some of their current taxable income. In the summer of 2016, football coach Jim Harbaugh struck a split-dollar plan with the University of Michigan that's become legendary.
Business partners often own term life insurance policies on each other to fund a buy-sell agreement. They figure the buy-sell need is temporary and will go away once either partner retires, but there are problems that can be avoided by each partner owning their own policy.
Just how expensive is properly designed IUL? This chart outlines the policy charges and policy benefits and compares the savings on fees long-term to those on most managed brokerage accounts.
Each business stage requires a different focus and set of tools and strategies to help business owners accomplish their goals. From startup, through growth, maturity and eventually business transfer, we can help you identify the issues you should be discussing with your client.
Whether or not Medicare is your focus, it's something your clients need. Find out more about how easy it can be to add Medicare solutions to your portfolio.
Discover four strategies to reposition money for ultra-wealthy clients. From classic leverage through premium financing or unique tax credits, to using BOLI or an innovative 1035 exchange with our No-Load IUL, you can capture more corporate AUM and keep the IRS out.
Master the basics of life insurance and more with this comprehensive, educational resource. After discussing the need, purpose and types of life insurance, you'll learn about the application and underwriting process, as well as 101-level customizations, loans, taxation and more.
Consider the questions below and share your answers with your advisor. The difference between what you know, and what you don’t, could be the key to a successful retirement.
When applying for a large life insurance case, it all comes down to underwriting, and a cover letter can be the key to getting a policy issued. See what you need to include to differentiate your case while providing underlying details around financial needs, medical history and lifestyle.