Life Insurance Posts

A Guide to Understanding Indexed Universal Life Insurance (IUL)

Indexed Universal Life Insurance is one of the most complicated life insurance products in the marketplace.

This guide explores the different factors that can have a significant positive or negative impact on a policy’s performance.

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.

[Case Study] How Crediting Rates Can Adversely Impact Life Insurance Policy Performance

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.

The Definitive Guide To Split Dollar Life Insurance Arrangements

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.

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.

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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.

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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.

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