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Life Settlement Case Study
Coverage No Longer Needed for Original Purposes Client and Opportunity Two Males – Ages 70 & 61. Business owner partners Health has declined since issued Standard, 5 years prior Purpose was Split...
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Policy Review Case Study
Policy Review for Increased Dividends Client and Opportunity Male Age 40 Good Health Would like to stop paying premiums at age 65 Concerned with decreasing dividends since initial purchase of whole...
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Annuity Rescue Case Study
Leveraging Annuity Income Benefits For Legacy Overview Client: Barbara, female, age 68 $482K nonqualified variable annuity with an income value of $501,490, and 3.40% annual fees Current income @ 5%...
View ArticleMarital Deduction/Credit Shelter Plan Design Options for Large Estates after...
(Assumes Marital-Credit Shelter Trust is Created at First Death and “Portability” of Estate Tax Exemption is NOT Elected) 2018 A) Marital Deduction Portion: (Remaining principal and growth included in...
View ArticleLinked Benefit Products Offer Flexibility for Section 1035 Exchange Options
IRC Section 1035 provides exchanges into life insurance or annuity contracts with Long Term Care (LTC) riders to be income tax free and treated as LTC contracts under IRC Section 7702B(e). The tax...
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Universal Life Policy With Indemnity LTC Rider Owned By An ILIT
The use of an Indemnity LTC Rider is crucial to keep the life insurance death benefit estate tax free. That’s because any rider benefits will be paid only to the ILIT as policy owner, and NOT used to...
View ArticleHow Different Types of Property are Legally Transferred at Death
When an individual dies, every piece of property owned by that deceased individual must be transferred to a new owner. Both real property and personal property (tangible and intangible) can pass to...
View ArticleMedicaid Planning and SPIAs
Most assets of a married couple are considered to be “countable assets” for purposes of qualifying for Medicaid extended care benefits. This includes all assets held jointly by the couple as well as...
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Creating an Inherited IRA Legacy Plan with Life Insurance Funded by After-Tax...
With the recovery of the equities markets after the economic downturn of 2008-2009, it is common for successful business owners, professionals, and other individuals to have more than $1,000,000 in...
View ArticleIRC Section 1035 Exchanges Require Special Attention
Often a policy review of your client’s existing life insurance and annuity contracts will conclude that a more cost efficient contract with better guarantees and rates of return makes sense. This will...
View ArticleLinked Benefit Products Offer Great Section 1035 Exchange Options
IRC Section 1035 provides that exchanges into life insurance or annuity contracts with Long Term Care (LTC) riders will be income tax free because these riders are treated as LTC contracts under IRC...
View ArticleDurable Power of Attorney & No-Lapse Universal Life Insurance Owned by ILITs
As people age into their 80s with longer life expectancies, their mental capacity is often diminished when it comes to managing their financial affairs. This declining capacity suggests an interesting...
View Article5 Rescue Techniques to Remove a Life Policy from an ILIT
The ILIT or Irrevocable Life Insurance Trust has played a major role in estate planning for many years as the best financial method to provide a fund of money that’s highly leveraged, income tax free,...
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Leverage Your Clients Tax Benefits by Using Grantor Trust Power of Substitution
For many years, irrevocable trusts have been structured for as grantor trusts, for income tax purposes, while still maintaining tax free status for estate tax purposes. A number of favorable IRS...
View ArticleDistribution Options for Inherited Non-Qualified Annuities
Often times we find ourselves dealing with clients who have accumulated significant non-qualified annuity account values. Tax deferred Section 1035 exchanges, over many years, may have caused business...
View ArticleHow Different Types of Property are Legally Transferred at Death
When an individual dies, every piece of property owned by that deceased individual must be transferred to a new owner. Both real property and personal property (tangible and intangible) can pass to...
View ArticleMedicaid Planning and SPIAs
Most assets of a married couple are considered to be “countable assets” for purposes of qualifying for Medicaid extended care benefits. This includes all assets held jointly by the couple as well as...
View ArticleClik here to view.
Creating an Inherited IRA Legacy Plan with Life Insurance Funded by After-Tax...
With the recovery of the equities markets after the economic downturn of 2008-2009, it is common for successful business owners, professionals, and other individuals to have more than $1,000,000 in...
View ArticleIRC Section 1035 Exchanges Require Special Attention
Often a policy review of your client’s existing life insurance and annuity contracts will conclude that a more cost efficient contract with better guarantees and rates of return makes sense. This will...
View ArticleLinked Benefit Products Offer Great Section 1035 Exchange Options
IRC Section 1035 provides that exchanges into life insurance or annuity contracts with Long Term Care (LTC) riders will be income tax free because these riders are treated as LTC contracts under IRC...
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