Lina Storm, CLU®, ChFC®, MBA

Author Archives

De-risking a Concentrated Stock Position


It’s so simple it’s scary.

Clients with a concentrated stock position that is intended to transfer to family and/or charity may be able to potentially increase the per share value of the transfer while de-risking the portfolio by using life insurance.


It’s so simple it’s scary.

The Twelve Ways of Gifting

In the spirit of the holiday season, here’s a run-down of The Twelve Days of Christmas.

Oops, I mean The Twelve Ways of Gifting…

Age 121 is the New 100: 3 Ways to Rescue Older Policies for Your Clients

Permanent life insurance policies were designed to last a lifetime. Once upon a time, lifetime was defined as age 100 since few people lived past age 100.

As of 2001, with medical advancements and better healthcare outcomes, the new actuarial tables (CSO 2001) reflected more people living past age 100. From an insurer’s perspective, lifetime began to be defined as age 121.

IRS Announces “No Clawback” of Gift Tax Exemption Amount

On November 20, 2018 the IRS issued proposed regulations (expected to be passed) clarifying that the estate/gift tax will not apply to gifts made before 2026, when the amount that can be sheltered from the tax is higher, as provided for by the 2017 Tax Act.

Squeezing Liquidity Out of Commercial Real Estate Assets

Do you have clients who have significant holdings in illiquid commercial real estate but little cash to fund their life insurance needs?

If so, commercial real estate can be used to pay the annual premium.

4 Tax-Efficient Ways to Pay Long-Term Care Insurance Premiums

The costs of healthcare and long-term care (LTC) are top of mind today. Fortunately, the tax code offers incentives to encourage the purchase of long-term care coverage.

Here are 4 ways clients can lessen the cost burden of paying long-term care premiums.

3 Risk Management Solutions: Going “Long” on Longevity

64% of retirees who file for bankruptcy do so because medical expenses have wiped out their savings. (1)

Before retirement, market volatility and inflation are top of mind risks to manage. During retirement, in addition to managing these risks come the risks of:

  • living too long,
  • annually increasing healthcare costs depleting savings, and
  • leaving inadequate income for a surviving spouse.

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