Third Party Premium Financing
Third Party (or “Commercial”) Premium Financing is the borrowing of funds from a financial institution for the purpose of funding a life insurance contract.
Why Life Insurance Should be a Key Component of Every Portfolio
Comprehensive financial portfolios benefit from the inclusion of permanent life insurance, which offers an added degree of diversification as well as important tax and liquidity advantages.
Tax-Aware Investing: What is Your After-Tax Return and Why Should You Care?
Return is defined in its simplest terms as the money made or lost on an investment. Most investors think of this as what is received after the subtraction of management fees and expenses…
Income Protection Solutions for Physicians and Administrators
Healthcare providers work long, hard hours supporting their patients, practice, and profession.
Disability Income Protection
Current workforce trends make providing competitive benefit strategies that offer value for both the firm and the firm’s partners and attorneys especially challenging.
Executive Income Protection
A challenging economic environment makes it more difficult to provide competitive benefit packages that offer value for both employers and executives.
Mutual Life Insurance Company Dividend Rates for 2018
For 2018, the four major mutual companies held the dividend interest rates on their participating whole life (WL) insurance policies close to their 2017 dividend scale. Guardian held their dividend rate at the 2017 level, while other companies had modest decreases.
Business Protection andBenefit Planning Strategies
Life insurance is a powerful and flexible financial instrument with many useful applications for companies of all sizes. For business owners, it can…
Market Volatility and Rising Interest Rates
The Volatility Index (VIX), which measures investor expectations of market volatility, has spiked.
From trading around 10 at the start of the year, the index rose to 37 on February 5 before retreating to the 20-range.
Inheritance Equalization
Conventional estate planning approaches to providing liquidity tend to consider only specific estate transfer costs-the federal estate tax, state death taxes, and various administration and legal expenses.