Life Insurance

Category Archives

Top 4 Ways Life Insurance Is Used for Business Planning

Business owners can use life insurance to protect their businesses and provide important benefits to their employees. Without proper planning and funding, many businesses fail to continue to the next generation.

Here are 4 ways life insurance is used in business planning:


Robert W. Finnegan, J.D., CLU®, Published in Trusts & Estates Magazine

We are pleased to announce that the following article by Robert W. Finnegan, J.D., CLU®, AEP®, was recently published in the April Trusts & Estates.

Planning With Life Insurance in Uncertain Times
A holistic approach can help clients move forward


4 Charts to Help Navigate Planning for Foreign Nationals

Transfer tax planning for high net worth clients can be sophisticated. When the client is a foreign national, planning becomes even more complex due to the myriad of tax rules based on residence, citizenship, type and situs of property, and how the property is being transferred — as a gift during lifetime, or as a bequest at death.

Below are 4 general charts that help navigate through the rules. Treaty agreements between the U.S. and the non-citizen’s home country may alter or replace the general rules discussed herein.


Planning for a Non-Citizen Spouse: Life Insurance to the Rescue

Part of a Series on Planning for Foreign Nationals

Individuals who are residents of the United States but who are not citizens (commonly referred to as “resident aliens“) are subject to the same estate and gift tax rules as U.S. citizens. However, there are two important distinctions to consider when it comes to transfers between spouses who are not both U.S. citizens.


Keys to Dealing with Policy Loans

Regular reviews of inforce life insurance policies are essential and can uncover important planning opportunities.  While conducting a policy review, advisors may uncover an older policy that has a significant policy loan. If not addressed, these policies can become a tax time bomb.  When it comes to policy loans there are 4 available options to weigh, all of which have their own set of benefits and considerations.


Top 10 Reasons for A Policy Review

Like other financial assets, life insurance policies require ongoing management. A policy check-in helps ensure life insurance policies continue to address a client’s changing needs and that the policies are performing as expected. A policy review also serves as a touch-point in an advisor’s relationship with clients.  Here are 10 reasons why a policy review is essential to the client-advisor relationship.


Matters of the Heart and Life Insurance

Did you know:

  • Cardiovascular disease is the number one cause of death in the United States, accounting for close to over 800,000 deaths per year. It is also the leading cause of death globally, accounting for more than 17 million deaths per year in 2013.
  • Heart disease is not exclusively a man’s problem: Heart disease is the number 1 killer of women as well.
  • About 92 million American adults are living with some form of cardiovascular disease or the after-effects of a stroke.

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