Naming Your Life Insurance Policy Beneficiary – Things to Consider

One of the most important parts of owning a life insurance policy is naming the beneficiary.

Properly naming the beneficiary of a life insurance policy can be a key decision to ensure the proceeds are distributed and used properly.

We have compiled a list of questions and answers to help provide additional guidance.

The Benefits of A Spousal Lifetime Access Trust (SLAT)

Spousal Lifetime Access Trust(s) are ideal for married couples with a potential estate tax liability who want flexibility in their estate planning.

A Spousal Lifetime Access Trust allows one spouse to be a beneficiary of the trust, while the other spouse is the grantor of the trust.

A Spousal Lifetime Access Trust (SLAT) allows a client to make irrevocable transfers of assets.

Guidelines for Transferring Business Owned Life Insurance

There are several reasons a business may want to transfer ownership of a business or corporate-owned life insurance policy.

Before changing the ownership it is important to know the policy’s fair market value, understand any tax issues that may exist upon transferring ownership, and the best way to distribute the policy.

2018 Whole Life Insurance Dividend Rate Annoucements

Most insurance companies have announced their 2018 whole life insurance dividend rate and payout for the upcoming year.

This years announcement is trending with continued declines in declared dividend rates for most companies. Some companies have made it easy to learn what the dividend rate will be for the upcoming year. Others, prefer to hide the information or just not publish it at all.

The Definitive Guide To Split Dollar Life Insurance Arrangements

A Split Dollar Life Insurance Plan is a sophisticated strategy that can help with the payment of life insurance premiums for executive benefits and estate planning purposes.

Split Dollar can be a great tool for a company looking to provide additional benefits to key employees, or for individuals interested in minimizing gift tax for estate planning purposes.

Ultimate Guide to Buy Sell Agreements with Life Insurance

A buy-sell agreement funded with life and disability insurance protects the owners of a business due to the death, disability, or retirement of its owners.

Buy-sell agreements are designed to protect the interests of all owner’s dictating when an owner can sell their interest, who can buy it, and what price will be paid.

What is a Life Insurance Retirement Plan (LIRP) and How Does it Work?

A Life Insurance Retirement Plan (LIRP) is a tax-efficient way for indviduals to save for retirement by providing income you can enjoy during your lifetime.

It effectively allows you to protect your loved ones while saving for retirement. It can be a good solution for high income earners maximizing qualified plan contributions.

7 Advantages of Term Life Insurance for Family Protection

Term life insurance is the easiest and most affordable way to protect against the financial loss of a parent.

Term life insurance is the most sensible solution to the problem most families are trying to solve – making sure your family would be financially secure if something happened to you or your spouse.

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