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 Universal Life product suite. This results in a...
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The Benefits of a Life Insurance 1035 Exchange
A life insurance 1035 Exchange is a tax-free transfer of policy values from a life insurance or annuity policy to a new policy. This allows policy owners to avoid taxation on policy gains from the...
A Guide to Understanding Indexed Universal Life Insurance (IUL)
Indexed Universal Life Insurance is a type of universal life insurance offering permanent protection. There are three different types of universal life insurance policies: Universal Life (UL)...
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 premium, cash value, and death benefit are split...
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. It is important to understand what beneficiary designations are available to a policy owner to ensure the...
Ultimate Guide to Buy Sell Agreements with Life Insurance
A properly executed and funded buy-sell agreement with life and disability insurance can provide stabilization and continuity of a closely held business. Many closely-held businesses fail to make...
Why You Should Consider Life Insurance with Long-Term Care, and What You Need to Know About It…
Life insurance with long-term care is a unique product for people interested in reducing their financial exposure to long-term care services. Long-term care services can be provided in many areas...
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Family Protection
The Benefits of a Life Insurance 1035 Exchange
A life insurance 1035 Exchange is a tax-free transfer of policy values from a life insurance or annuity policy to a new policy. This allows policy...
Business Planning
Ultimate Guide to Buy Sell Agreements with Life Insurance
A properly executed and funded buy-sell agreement with life and disability insurance can provide stabilization and continuity of a closely held...
Estate Planning
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.
![[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)
Accumulation
Planning Solutions
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....
Life Insurance Products
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.
