How Life Insurance Supports Multi-Generational Business Succession
Passing a family business from one generation to the next is rarely simple. It requires balancing liquidity, control, and fairness — three competing priorities that often collide when ownership...
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Life Insurance and Mortality: What Life Insurance Carriers Don’t Want You To Know!
There are certain inevitabilities in life. Like it or not, one of them is death. When our own mortality comes into question there are always challenges and questions we must confront. For people who...
Guidelines for Transferring Business Owned Life Insurance
There are several reasons a business may want to transfer ownership of a corporate-owned life insurance policy to an individual. Perhaps a business owner is selling their company and would like to...
The Benefits of A Spousal Lifetime Access Trust (SLAT)
A Spousal Lifetime Access Trust (SLAT) allows a client to make irrevocable transfers of assets to fund trust-owned life insurance. A Spousal Lifetime Access Trust can provide families with the...
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[Case Study] How Crediting Rates Can Adversely Impact Life Insurance Policy Performance
In 2008, Michael sold his successful manufacturing company at the age of 52. As a result of the sale, Michael was able to retire and enjoy the finer things in life. At the same time, Michael’s...
Low Interest Rates Causing Permanent Life Insurance (Universal and Whole Life) to Massively Under Perform
Crediting rates and dividend rates on permanent life insurance policies are at all-time lows and will likely continue to decrease. An underperforming life insurance policy can be financially...
Advanced Planning: Leveraging Sales to a Defective Trust Using Life Insurance
A high-net-worth family was working with their estate planning attorney to reduce estate taxes and minimize gift taxes. The couple’s $160 million net worth is comprised primarily of high-growth,...
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Business Planning
Why CPAs are Rethinking Life Insurance for High-Income Clients
For years, many CPAs viewed life insurance primarily as a sales product - not a planning solution. That view was understandable. Too often,...
Estate Planning
How Life Insurance Supports Multi-Generational Business Succession
Passing a family business from one generation to the next is rarely simple. It requires balancing liquidity, control, and fairness — three competing...
Accumulation
Planning Solutions
Irrevocable Life Insurance Trust: How an ILIT Helps Create Estate Liquidity
Updated May 5, 2026 to reflect current estate tax exposure and planning considerations. An irrevocable life insurance trust, often called an ILIT,...
Life Insurance Products
A Guide to Understanding Indexed Universal Life Insurance (IUL)
Indexed Universal Life Insurance is a type of universal life insurance offering permanent protection. There are three different types of universal...
