Planning Concepts Posts

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.

Low Interest Rates Causing Permanent Life Insurance (Universal and Whole Life) to Massively Under Perform

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.

The Benefits of A Spousal Lifetime Access Trust (SLAT)

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.

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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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.

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