On March 23, 2021, Constellation announced they had entered into an agreement with Ohio National Mutual Holdings, Inc. and Ohio National Financial Services,...
Ohio National Whole Life Insurance – To Be or Not To Be?
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Life Insurance Case Studies
Our life insurance case studies illustrate how life insurance can be used given a specific situation.
What John Hancock’s Crediting Rate Increase Means for Policy Owners
On September 1, 2022, John Hancock increased their crediting rate 20 basis points on their Protection Universal Life and Protection Survivorship Universal...
[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...
Premium Financing Life Insurance Case Study: How to Create Estate Liquidity Without Selling Assets
Updated April 2026 to reflect current estate tax exposure and planning considerations. Premium financing life insurance has become an increasingly important...
[CASE STUDY] How A Restricted Property Trust Reduced Our Client’s Tax Rate From XX.X% to YY.Y%
A Restricted Property Trust provides business owners and/or key executives with tax-favored, long-term cash accumulation and income distribution. A Restricted...