Combine ILITs With IRA Trusts to Maximize Inherited IRA Benefits
Estate planning for IRA assets can be complicated. An irrevocable life insurance trust with an IRA trust can provide a solution.
Due to LTCI's Cost and Need, Short-Term Care Insurance Takes Off
Half of all long-term care coverage is for less than one year’s worth of care. Enter short-term care insurance.
Deferred Income Annuities Can Double Payouts Later in Life
Using the no-refund variety of DIAs provides extra income but also has potential downsides.
With File-and-Suspend Dead, Maximizing Social Security Benefits
Start with the SSA’s own benefit calculator — and check clients' earnings history — before determining who should file and when, Bloink and Byrnes write.
Having It All? Combining Whole Life With Indexed Universal Life
Insurance carriers are adding an indexing feature via paid-up additions (PUAs) to their whole life insurance offerings.
Life Insurance Carriers Offer Premium Cuts for Individual Wellness Policies
Building on employer-sponsored wellness plans, these individual policies can also raise cash value of permanaent life policies.
14 Tax Changes in PATH Bill End Uncertainty for Many Planners
Law ends years of uncertainty on everything from charitable giving to small business incentives — and puts off new taxes as well.
The New Variables in Variable Annuities
The ability to alter terms of in-force VA contracts can provide carriers and clients with flexibility, but are they a smart choice for the client?
Indexed Annuity Providers’ Latest Twist: Uncapped Index Crediting
Carriers have tinkered with the uncapped index crediting method to allow for greater market participation as indexed annuities’ appeal has dimmed.
5 Tax-Savings Steps to Take Before Year-End
Time is running out for these tax savings, so remind clients to take action when appropriate but before Dec. 31.