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.
![[Case Study] How Crediting Rates Can Adversely Impact Life Insurance Policy Performance](https://m3c9f7m7.rocketcdn.me/wp-content/uploads/2021/03/fi-universal-life-insurance-policy-review.png)
Life insurance carriers current crediting and dividend rates on in force, permanent life insurance coverage continue to decline.
We are seeing a number of permanent policies fail to perform according to how they were originally illustrated.
It is important to have your permanent life insurance reviewed to avoid unforeseen consequences.
Crediting rates and dividend rates on permanent life insurance policies are at all-time lows and will likely continue to decrease.
The impact of these rates can be financially devastating for policy owners of permanent life insurance.
Reviewing your permanent life insurance coverage today can help you tomorrow.
Crediting rates and dividend rates on permanent life insurance policies are at all-time lows and will likely continue to decrease.
The impact of these rates can be financially devastating for policy owners of permanent life insurance.
Reviewing your permanent life insurance coverage today can help you tomorrow.
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.
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.
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.
A sale to an Intentionally Defective Grantor Trust (IDGT) in combination with life insurance allows high-net-worth families to accomplish different wealth transfer goals with flexibility.
Learn how these techniques can help families solve wealth transfer, estate, and philanthropic planning goals.
A Restricted Property Trust is used by successful business owners to reduce income taxes and grow assets.
The ability to make Before Tax Contributions, Defer Taxes on Growth, and Access Tax Advantaged Distributions makes the Restricted Property Trust an attractive alternative to other employer-sponsored plans.
