For many high-net-worth individuals and families, deciding whether to use premium financing or pay cash for life insurance can be more complicated than...
Premium Financing vs. Paying Cash for Life Insurance
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Insights
Life Insurance
Explore insights on life insurance planning, policy design, taxation, policy performance, and strategies for managing existing coverage. Learn how different types of life insurance can be structured and evaluated to support long-term financial and planning objectives.
Advanced Life Insurance Design: Beyond Whole Life vs. IUL
Advanced life insurance design is often discussed through product comparisons: whole life versus indexed universal life (IUL), guaranteed coverage versus cash...
Year-End Life Insurance Planning Checklist for High-Net-Worth Families
Year-end planning often focuses on income taxes, charitable giving, retirement plans, and investment portfolios. For families and business owners with...
Life Insurance Policy Riders: What They Are and How They Work
Life insurance policies can often be customized with additional provisions known as policy riders. Depending on the rider, these provisions may provide...
Understanding Universal Life Insurance In-Force Illustrations
A universal life insurance policy can remain in force for decades, but that does not necessarily mean it is performing the way it was originally illustrated....
Life Insurance Policy Review: How to Evaluate an Existing Policy
A life insurance policy review is a structured evaluation of an existing policy to determine how it is performing, whether the coverage still supports the...
Types of Life Insurance: Term, Whole Life, Universal Life, IUL & VUL
Life insurance policies can be very simple or extremely complex given the circumstances. Much of this is a function of the type of policy and how it is being used.
What is a Life Insurance Retirement Plan (LIRP) and How Does it Work?
A life insurance retirement plan, commonly called a LIRP, is not a qualified retirement plan or a separate type of life insurance. It is a planning strategy...
What Is a 1035 Exchange for Life Insurance and How Does It Work?
A life insurance 1035 exchange allows the owner of an eligible life insurance policy to exchange the existing contract for another qualifying insurance...