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.

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.

Your client is ready to grow their business. Maybe start an expansion, or bring on a new partner. You can help provide them with a safety net in case they get disabled along the way. With a business loan protection (BLP) rider, a disability insurance policy can keep the doors open.

Part of business is mitigating risk. But many business owners haven't considered what they would do if a partner was too sick or hurt to help run the business. It's critical to have a written disability buy-out (DBO) plan before something happens – even if the plan is not funded.

Employer-provided long-term disability coverage is a start. But, there’s a cap on monthly benefits, and highly paid employees take a big pay cut if they go on claim. An individual DI policy can supplement group coverage and replace more income when clients need it most.

When two business partners wanted disability insurance coverage, a multi-life discount provided an overall lower premium, plus coverage for an additional employee. See how the math worked out for these partners to save 23% while providing an added benefit for a key employee.

Clients have questions about DI. How does a policy pay them? For how long? How much can they purchase? What will it cost? How do they qualify for benefits? Before discussing individual disability insurance, make sure you know the answers to these five commonly asked questions.

A financial plan has many important pieces, but your client’s ability to earn an income makes everything else possible. People insure their homes, cars and personal property, yet fail to insure the thing that makes it all possible. See how to protect their income with disability insurance.

With a variety of available disability insurance plans, you’ll be able to help clients in a variety of different occupations and circumstances, including business owners, find the best income protection solution.