A life insurance 1035 Exchange is a tax-free transfer of policy values from a life insurance or annuity policy to a new policy. This allows policy owners to...
The Benefits of a Life Insurance 1035 Exchange
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Insights
Estate Planning
Using life insurance for estate planning provides liquidity that is not subject to income or estate taxes when properly structured. Providing the estate with cash to purchase assets and cover estate taxes.
Naming Your Life Insurance Policy Beneficiary – Things to Consider
One of the most important parts of owning a life insurance policy is naming the beneficiary. It is important to understand what beneficiary designations are...
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...
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...
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...
How Your Permanent Life Insurance Policy Could Terminate Before You Die and What You Can Do to Stop It From Happening
Purchasing life insurance coverage is important for many people. It helps protect against the financial loss of a loved one, provides liquidity for estate...
The Flexibility and Benefits of Universal Life Insurance
Universal Life Insurance is the least expensive and most flexible form of permanent life insurance. Like most permanent life insurance policies, universal...
Why Convertible Term Life Insurance Matters And What You Need to Know About It!
Converting a term life insurance policy can be a valuable benefit. However, it is often overlooked. Most term life insurance policies include a feature...
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...