|
Found something interesting? Want to let someone else know about it? Simply click the "Tell A Friend" link!!
|
What's Happening
|
|
----------------- |
|
----------------- |
|
|
|
|  |
|
|
HAPPY HOLIDAYS!!!
[FULL STORY]
|
The Impact of Reinsurance
by Brien P. Tilley
Have you noticed that some or all of the Life Insurance Carriers that you represent have “tightened” their underwriting guidelines? Furthermore, have you been impacted by some companies’ tendencies to reduce the scope of their underwriting classes? Clearly, you will notice that some carriers will be raising their rates next year. All of these issues, to some degree, are bi-products of the current instability in the Reinsurance Marketplace, a topic recently addressed by James Medici in an article in the November issue of Broker World (“Reinsurance is an Unseen, yet Dynamic Force,” Broker World, November 2004).
[FULL STORY]
|
"Borrowing" An Insured
by Jefferson Pilot
Many good life insurance planning techniques involved putting insurance on an older prospect. For example, a dynasty trust for the benefit of grandchildren or a LifeLINC sale where you reposition an “idle” asset of a senior and use the funds to leverage up the benefit to the heirs through life insurance.
[FULL STORY]
|
"B" Trust Funding
by Prudential Financial
You have a widowed prospect whose family will be faced with estate or state tax bills upon their death. The client has been shown a life insurance policy as a possible means to fund the estate costs, but is reluctant to use his or her personal assets to pay life insurance premium. Or your prospect is already using his/her gift tax annual exclusion for other purposes. During the fact finding process you were informed that your prospect has a beneficial interest in a “B” Trust (also known as Credit Shelter Trust, Bypass Trust, or Family Trust) established under the terms of their deceased spouse’s estate documents. Furthermore, you learned the widowed spouse does not need the income from the trust to maintain their standard of living.
[FULL STORY]
|
|
| |
|
|
subscribe / unsubscribe
|
