Ohio National Whole Life Insurance – To Be or Not To Be?
On March 23, 2021, Constellation announced they had entered into an agreement with Ohio National Mutual Holdings, Inc. and Ohio National Financial Services, Inc. (“Ohio National”) for $1 billion....
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![[CASE STUDY] How A Restricted Property Trust Reduced Our Client’s Tax Rate From XX.X% to YY.Y%](https://mericleco.com/wp-content/uploads/2016/09/fi-restricted-property-trust-case-study-400x250.png.webp)
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High Net Worth Life Insurance Estate Planning
When it comes to estate planning, life insurance can be an important tool for high-net-worth individuals and families. Often, life insurance is used to help provide liquidity for estate taxes,...
What Are The Different Types of Life Insurance Policies?
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.
Irrevocable Life Insurance Trust (ILIT) for Estate Planning
Life insurance owned by an irrevocable life insurance trust (ILIT) can be the easiest and most efficient way to pay estate taxes. If you want to reduce estate taxes and preserve your wealth, then an...
What is a Life Insurance Retirement Plan (LIRP) and How Does it Work?
A life insurance retirement plan or LIRP is a tax-efficient way for individuals to save for retirement by providing benefits you can enjoy during your lifetime. It also pays an income tax-free death...
Premium Financing Life Insurance
Premium financing life insurance is the process of borrowing money to pay large life insurance premiums. Annual premiums will typically range from $100,000 on the low-end to multiple millions of...
What is a Term Life Insurance Conversion?
A term life insurance conversion allows a policy owner to convert their existing term insurance to a permanent life insurance policy. Term life insurance is the most common form of life insurance...
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Family Protection
What Are The Different Types of Life Insurance Policies?
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.
Business Planning
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. A life insurance policy’s...
Estate Planning
High Net Worth Life Insurance Estate Planning
When it comes to estate planning, life insurance can be an important tool for high-net-worth individuals and families. Often, life insurance is used...
Accumulation
![[FACT] There Is No Such Thing As A Section 7702 Plan](https://mericleco.com/wp-content/uploads/2016/09/fi-section-7702-life-insurance-plan-400x250.png.webp)
[FACT] There Is No Such Thing As A Section 7702 Plan
Have you ever heard of Section 7702 Plan? I hadn’t either until a few weeks ago. That’s when a colleague of mine reached out and asked me this very...
Planning Solutions
The Problem With Some Life Insurance Carriers…
Advising individuals, families, and business owners on their existing permanent life insurance coverage continues to be challenging. In fact, I just...
Life Insurance Products
The Importance of Life Insurance Policy Reviews
A life insurance policy review is an important process that will help you understand your current coverage and make sure it still meets your needs....
