Life Insurance Blog

Using Life Insurance to Protect Retained Earnings in a Closely Held Corporation

Closely held corporations often retain earnings rather than distribute them, aiming to reinvest in growth or strengthen the balance sheet. But while this strategy can build enterprise value, it also...

7 Advantages of Term Life Insurance for Family Protection

The Ultimate Guide to Indexed Universal Life Insurance

Understanding the Restricted Property Trust: A Strategic Solution for High-Income Business Owners

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

What The Northwestern Mutual Dividend Rate Reduction Means For Policyowners

[CASE STUDY] How A Restricted Property Trust Reduced Our Client’s Tax Rate From XX.X% to YY.Y%

Using Life Insurance to Protect Retained Earnings in a Closely Held Corporation

June 11, 2025

Understanding the Restricted Property Trust: A Strategic Solution for High-Income Business Owners

May 07, 2025

For successful business owners with annual earned income exceeding $700,000, reducing income taxes while building long-term wealth is a constant challenge. Most traditional retirement...

Buy-Sell Agreements: Why Life Insurance Is the Smartest Funding Option

April 09, 2025

When it comes to safeguarding the future of a privately held business, few tools are as critical - or as overlooked - as the buy-sell agreement. These legally binding contracts ensure a smooth...

Why CPAs are Rethinking Life Insurance for High-Income Clients

March 12, 2025

For years, many CPAs viewed life insurance primarily as a sales product - not a planning solution. That view was understandable. Too often, proposals lacked context, coordination, or transparency,...

How Life Insurance Enhances Executive Bonus Plans

February 12, 2025

In today’s competitive talent landscape, business owners and executives are constantly searching for ways to attract, retain, and reward key employees. Traditional bonus structures and equity...

How Successful Business Owners Can Use Life Insurance to Reduce Taxes

January 08, 2025

If you're a successful business owner earning $700,000 or more in annual income, you’re likely aware of just how punishing the tax code can be. Despite maxing out retirement plans and leveraging...

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Family Protection

October 05, 2022

What John Hancock’s Crediting Rate Increase Means for Policy Owners

On September 1, 2022, John Hancock increased their crediting rate 20 basis points on their Protection Universal Life and Protection Survivorship...

Business Planning

June 11, 2025

Using Life Insurance to Protect Retained Earnings in a Closely Held Corporation

Closely held corporations often retain earnings rather than distribute them, aiming to reinvest in growth or strengthen the balance sheet. But while...