Author Archives: administrator

High-Income & High-Net-Worth Legacy Planning Ideas

Higher Taxes As “Covid Relief” bills and benefits continue to ring up the national debt, the current administration is looking for ways to pay for it all.  “Taxing the rich” seems to be in vogue and all we await is … Continue reading

Life Insurance for the Living | Guarantee your income

Life insurance for the living Today there is a plethora of new products and riders available in the life insurance marketplace. Living Benefit riders for critical and chronic illness can be added to permanent and term policies.  Some policies offer … Continue reading

Planning retirement income | When are annuities a RightFit™ for your client? 

What to do about the high cost of investment income A recently published article titled: “What to do about the high cost of investment income” discusses the challenge of producing income from your investable assets. In their article authors Michael … Continue reading

Tax Law Changes & Planning | The Power of Gifting

There is certainly a consensus that income tax rates are going up.  Many believe estate tax exposures will be higher as we move forward.  There are several options being discussed which include: lowering the exemption, raising the taxable rates and … Continue reading

HNW Ideas, 2021 Tax Guide, CFP® CE Webinars and Roth Conversion Alternative

Many believe income taxes will be increasing and estate exemptions are likely to decrease.  This is not good for High Net-Worth clients.  For those with more than they need for a smooth retirement, there are smart estate planning considerations and … Continue reading

AG 49, Part Deux | The New LTC Solution

AG 49, Part Deux Six years ago, Actuarial Guideline 49 went into effect to curb the abuse of indexed universal life illustrations.  It did not take long for carriers to creatively design their products to generate a better-looking ledger.  They … Continue reading

3 Unique Insurance Designs

What do you do when “what if” becomes “what now”? Quality term is harder to find in the marketplace.  Many carriers have stripped down their coverage offering ala carte features.  You may now need to add an extension rider for … Continue reading

Commission-Free & Underwriting Insight

Commission-Free Life Insurance:  Is it better for your client? Fee compression is happening everywhere.  In the life insurance industry, they are trying to eliminate commissions.  The reality is the “commission-free” universe is very small, and a major player recently pulled … Continue reading

Playing the Long Game with Death & Taxes

Integrating Life Insurance into Retirement There is an old saying that the only things guaranteed in life are death and taxes.  The reality is some people do in fact evade taxes.  In fact, more people will be trying to evade … Continue reading

COVID -19 Underwriting & Insurance Market Update

COVID-19 Underwriting Update   Insurance companies implemented changes to their underwriting & business practices due to the COVID pandemic.  Some carriers have communicated that these changes will continue through September.  Please see below for a quick recap on the more … Continue reading