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Even for affluent clients, pre-funding death expenses with discounted dollars remains effective. Life insurance is uniquely able to deliver a specified pool of tax-free liquidity at exactly the time needed to cover final expenses, debt, liquidation, taxes, probate costs and bequests.
You may have clients holding on to a surprisingly large concentration of stock in a single company. At older ages, diversifying may be in their best interest. Life insurance can act as a noncorrelated asset, providing a natural hedge against the market risks of concentrated stock.
Wealth transfer plans will be affected if proposed tax code changes are signed into law. Some of the changes contained in The 99.5 Percent Act would have a dramatic effect on a foundational component of wealth transfer planning – the irrevocable life insurance trust (ILIT).