When it comes to insurance, your clients will have questions. So, when considering an individual disability insurance policy, make sure your clients know the answers to these five commonly asked questions.

High-net-worth clients who want significant amounts of trust-owned life insurance create potential estate tax exposure. In this case study, the individuals loaned the trust money, with the trustee investing loan proceeds and making annual premium payments on a large policy.

Currently, an estate is not subject to the federal estate tax until it exceeds $12,920,000 (double for married taxpayers). In 2026, the current exemption will sunset, effectively cutting the amount in half. This piece looks at four options to protect your client's legacy before that happens.

After a client's work-related injury case was settled, the client had to decide whether to receive a lump-sum payment or a settlement plan. With the help of a structured settlement consultant, see why they determined a settlement plan was the right choice for his family.

Pension plans have been creating financial havoc for years. Volatile balance sheet liabilities, increased government fees, high professional fees and looming required contributions are causing sponsors to want to shed their pension plans. The answer to de-risking lies in the approach.

Every advisor needs a sustainable marketing strategy to win prospects. Pension Risk Transfer (PRT) marketing is one way to do it. We help you generate income in the defined benefit plan termination market by identifying prospects, accessing technical expertise, and deliver solutions.

Disability overhead expense coverage can keep the lights on when something unexpected happens. The first step is to consider how much to cover. Help business-owner clients detail monthly operating expenses to see how they can be covered if they cannot work.

Your high-net-worth clients earning attractive returns on their portfolio may be reluctant to liquidate assets to pay for life insurance. But this strategy can be used to substantially reduce out-of-pocket costs for life insurance and increase potential income.

It's possible to avoid the taxation of employer-owned life insurance. The general rule is that death benefits paid from a life insurance policy subject to IRC Sec. 101(j) are taxable when received. In order to avoid taxation, clients must qualify for one of several exceptions.

Every solid structure requires a solid foundation. So, why is it that a person’s income is so often overlooked when creating a strong financial plan? Disability Insurance can help create paycheck protection in case your clients' income is disrupted - even for a short period of time.

Women pay more than men for disability insurance coverage. Blame statistics and underwriting. Fortunately, there are multi-life options that help level the playing field. By purchasing coverage on multiple employees, female business owners can save money while protecting more lives.

Businesses rely on people. If someone were unable to perform their role due to illness or injury, would the business continue to run smoothly? The risk of losing a key employee — someone essential to the success of the business — can be reduced through disability insurance.