I specialize in bringing together tax, legal and insurance professionals to implement advanced planning strategies. Insurance may not be your primary focus, so we create a one-stop shop for insurance planning — whether it's premium financing and tax mitigation planning, or a basic term case.
I'm always available to help educate you on the latest concepts, unique to your client's situation. Let me know how we can help with your next opportunity through case consultation, virtual point-of-sale assistance, case design support, illustration review, application fulfillment or field underwriting challenges. If you need help on a specific business line, you're always welcome to contact me or reach out to your dedicated team below.
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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.
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.