Large Life Insurance Policies
Learn the secrets about the best life insurance policies for people buying jumbo life policies and large life insurance policies. Compare the rates to see the difference.
Category Estate Planning
Is The Estate Tax Going Up?
Confused about the changing estate tax? We can help you plan.
Wealthy People Own Permanent Life Insurance?
High Net Worth (HNW) consumers choose permanent life insurance for many different reasons: Income Replacement: It does not matter if your income is $100,000 per year or $1,000,000 per year, the income replacement need is the same. Nor does it…
Jumbo Life Insurance Purchase: What You Need To Know
Among High Net Worth consumers, there is a deep appreciation for permanent life insurance. You want every advantage if you currently own or may be considering a jumbo life insurance policy. The underwriting class is major factor in the pricing…
“Not My Family!” Strategies To Avoid Wealth Destruction
The objectives of successful wealth transfer planning and inheritance planning are both financial and succession oriented. Too often, all the planning attention is placed only on the financial aspects. This can lead to unintended consequences for family and business relationships.…
Federal Estate Tax Repeal – Bad For Business
The life insurance industry let us down when it allowed the estate tax rate to settle at 40% and the lifetime credit (exemption) to rise to $12MM per couple. The impact is still punishing planners of all stripes. It is time for life insurance companies to…
Don’t Need or Want Your Existing Life Insurance?
What Is The Market Value Of Your Existing, Inforce Life Insurance Policy? By now, we have all heard stories about someone that received a significant cash payment for a life insurance policy they thought had no value. If you are 65…
Life Insurance Premium Financing – Know The Risks.
Is life insurance premium financing right for you? Life insurance premium financing is not free life insurance. By itself, this will eliminate 90% of the prospects. The annual out of pocket cost is more than the cost of cheap term…
Succession Planning Tips. Easing the Transition of Your Business
Each time a family business successfully transitions from one generation to the next, it is quite an achievement. It requires many different people working well together over a sustained period of time. Succession planning is a complex challenge that…
Life Insurance Without Commission Means Better Value.
“Bernstein…has introduced what are essentially no-load and low-load policies to the life insurance business…That could mean huge savings for policy buyers.” Forbes “Low-load Life Performs Better For Clients, Companies” National Underwriter people-to-watch-fortune Thirty years ago, I created, designed and introduced…