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.
Fluidless, accelerated, express, simplified – no matter the words you use, one thing is certain: More and more insurance companies are offering streamlined underwriting processes. This cheat sheet will give you an overview of the programs available and if your clients qualify.
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.
We've seen many advisors use the Registered Social Security Analysts program to fully integrate Social Security planning into their practice. Now it's your turn! Learn how to leverage misunderstood reductions and credits, bridge the basics with advanced planning and build referrals.
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.