Hybrid Life Insurance Gets Second Wind as Health Care Coverage Vehicle
Understanding the difference between linked and built-in living benefits can help ensure that clients have the tools to bridge their health care coverage gaps.
Modified Endowment Contracts’ Role in Estate, Post-Retirement Planning
Don’t dismiss modified endowment contracts (MECs), despite their tax consequences, for the role they can play in estate and post-retirement health care planning.
8 Key Tips to Keep HNW Clients Happy
"Working with affluent people and the complex situations they bring is where it gets really fun,” says Andrea Blackwelder of Wisdom Wealth Strategies.
The Taxation of Life Insurance Policy Loans
The Tax Facts experts sift through the complexities of loans on life insurance polices.
How Are LTC Insurance Premiums and Benefits Taxed?
Tax Facts experts explain whether costs of LTCI are deductible and whether the benefits are taxable.
Insurance in Small Business Sucession Planning
The Tax Facts Online experts help explain the details of buy-sell agreements in business succession planning.
How to Get Tax-Free Retirement Income With Life Insurance
Life insurance can be a tough sell for advisors with clients who see it as an expense rather than an investment.
Now Entering the Retirement Income Game: Universal Life
Insurers are adding guaranteed income withdrawal riders to their universal life policies. They can be good for clients, but understand the risks and likely premiums.
LTC’s Future Lies in New Crop of Hybrid Products
New asset-based long-term care insurance products can allow your clients to obtain affordable coverage on an almost risk-free basis.
Gifting Life Insurance Policies: Not a Simple Matter
The transfer for value rule can create a serious tax trap for a client who transfers a life insurance policy subject to a policy loan.