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What's Happening
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Are Your Clients Properly Insured?
by Brien P. Tilley
Have you ever considered why your clients consistently have $250K, $500K, or $1,000,000 of life insurance instead of $269K, $543K, or $1,098,000, etc.? Could this be true because of the needs/debts of most potential insureds equate to a nice round numbers? Furthermore, is the purchased face amount simply replacing exactly what the insured has in force?
[FULL STORY]
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Disclaimer Planning
by PRINCIPAL Financial Group
Disclaimer trusts are rapidly becoming the primary method estate planners utilize when constructing or amending exemption trust wills. The uncertainty brought on by EGTRRA 2001 has created a resurgence of disclaimers in estate planning. This discusses the important role this technique plays in modern estate planning.
[FULL STORY]
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IRS Clarifies Disability Taxation
by PRINCIPAL Financial Group
Disability coverage is a vital employee benefit which can provide favorable tax treatment for employers and their employees. This clarifies taxation of long-term disability benefits under the recently published Revenue Ruling 2004-55.
[FULL STORY]
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Buy-Sell Planning and Transfer-for-Values Issues
by Prudential Financial
Question: When discussing the pros and cons of using a life insurance funded cross purchase buy-sell agreement, I keep hearing the admonition that with multiple owner plans it is important to avoid the application of the transfer-for-value rule. Can you be more specific as to how and when this rule becomes a concern in this planning scenario?
[FULL STORY]
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Monthly Impaired Risk Solution
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Chronic Obstructive Pulmonary Disease
by Prudential Financial
Chronic obstructive pulmonary disease is a degenerative disorder of the lungs in which there is a reduced ability to expire air. COPD includes a combination of lung diseased such as asthma, chronic bronchitis, and emphysema.
[FULL STORY]
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