News
Term vs. Perm: Which is right for your clients?
If you’ve been thinking about life insurance, especially if you have family, loved ones, or anyone who depends on you financially, you might be curious about the different kinds of policies available. Which type is right for you? Essentially, you can look at two main categories of life insurance: term and permanent. Term insurance is […]
Registered Investment Advisors report greater interest in FIAs
In today’s environment, many fiduciary advisors are turning to protection products such as fixed indexed annuities and fixed annuities to offset client portfolio risk. That was one of the findings from Security Benefit’s Registered Investment Advisor Benchmark Study. The study looked into RIAs’ perspectives regarding client practices, economic sentiment, product diversification and the impact of the upcoming […]
How to Use Your LTC Premiums to Reduce Your Tax Bill
Long-Term Care insurance represents one of those rare instances where paying insurance premiums can actually reduce your tax bill. Exactly how to go about achieving those savings will depend on the nature of the LTC coverage as well as the particulars of the client’s tax planning. Interested in learning more? Give us a call at […]
Navigating the uncertainty of estate tax exemption changes?
For affluent clients considering a large 2nd-to-die policy, a strategic ‘wait and see’ approach might be the solution. By purchasing lower-cost term policies now, they can lock in insurability and later convert these into a $5M SIUL policy, with the added option of LTC coverage, once the situation stabilizes. This way, they secure their future […]
