Author Archives: administrator

The Power of Education | More 2019 Tax Resources

The Power of Education At IIC we strongly believe in the power of education. Don’t miss our upcoming 2019 CFP® CE Webinars (10am-11am, CT): 02/27/2019 – Term Insurance: Details That Matter 04/24/2019 – Alternative Solutions to LTCi: Protecting Your Clients’ … Continue reading

2019 Tax Guide & APP | Brilliant at the Basics

  Another ‘brilliant’ idea shot down by the IRS Intergenerational split dollar is a valid concept for high net worth families to help future generations purchase life insurance for legacy planning reasons.  Split dollar rules and regs are quite clear … Continue reading

Term, Term, Term . . . 40 Year Term Now Available!

  Change is the only constant and term insurance is no different.  Today the term insurance industry is rapidly evolving.  Below are some of the most interesting changes occurring. Product – 40-year term is now available for clients up to … Continue reading

Should HNW Clients Insure for LTC?

  Should high net worth clients insure for long-term-care? Mark Twain is credited with saying . . . “It ain’t what you don’t know that gets you into trouble.  It’s what you know for sure that just ain’t so.” I … Continue reading

3 Things About Life

  New tax laws create an uptick in non-qualified benefits planning As we enter the fourth quarter of 2018 the new tax laws are still crystalizing.  One thing is clear, certain corporations will benefit from a tax reduction which can … Continue reading

Are You Aware?

  Life Insurance Awareness Month September has been designated as “Life Insurance Awareness Month (LIAM)” for more than 10 years.  It is a great time to review your client’s coverage.  Our Questions are the Key™-Life Review piece provides key questions … Continue reading

The Commoditization of Term

The Commoditization of Term There is no doubt many clients are buying term insurance based upon the cheapest price.  All term insurance is not the same.  If you want to build in flexibility for the future it is important to … Continue reading

Starting the LTC Conversation

  Long-term care is a concern for both clients and advisors.  Over the last six months I have been involved with several firms trying to improve how they discuss long-term care concerns with their clients.  Like most areas of insurance … Continue reading

Insuring for Caregiving in America

  PROTECTING THE FAMILY It’s been said that “A man must protect his own.”  If you’ve ever known anyone who needed help caring for themselves, you can certainly understand this statement. In April, 60 Minutes aired a highly emotional story … Continue reading

Are your HNW clients exposed to writing blank checks?

  The Blank Check Story Many advisors do not believe they should spend time discussing long-term care insurance with wealthy clients.  There is certainly some merit to the perspective but who’s decision is it?  About 10 years ago, I was … Continue reading