The beneficiary designation on a life insurance policy is easy for clients to overlook. It’s also an easy way for a well-designed plan to…
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Federal estate tax often draws the most attention, but clients in the District of Columbia or the 12 states with state-level estate taxes—including New…
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Do your clients know that leaving as little as $2,001 directly to someone with special needs could disqualify them from critical government benefits like…
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For many business owners, securing life insurance on a key employee feels like a task completed. Once the policy is issued and the first…
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Each October, National Estate Planning Awareness Month encourages families, business owners, and financial professionals to revisit the strategies that safeguard wealth and ensure smooth…
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September is Life Insurance Awareness Month, making it the perfect time to explore advanced strategies that maximize value for your clients. Life insurance not…
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Life can get expensive. Rising living costs, healthcare expenses, and midlife pivots—such as a career change, early retirement, or supporting a family member—can all…
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The Connelly decision has changed the landscape of business succession planning, prompting producers to reexamine how buy-sell agreements funded with life insurance are structured.…
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Certainty is a powerful planning tool. The One Big Beautiful Bill Act (OBBBA), signed into law on July 4, 2025, brings long-awaited clarity to…
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Life changes. So should your clients’ strategies. A life insurance policy purchased years ago may no longer fit a client’s needs. Maybe the kids…
The One Big Beautiful Bill Act (OBBBA) increased the federal estate and gift tax exemption to $15 million in 2026 (indexed for inflation) and…
Many high-net-worth and business-owner clients assume they can self-fund the cost of long-term care (LTC). To a certain extent, they’re right. But while they…
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