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 while keeping costs manageable. #EstatePlanning #InsuranceStrategies #FinancialPlanning”
