Underwriter hesitancy comes from comparing a key person need with a different financial justification involving future ownership – insuring against anticipated estate tax liability.

Indexing, as well as many other issues related to financial underwriting, can create fewer problems when addressed early in the planning process.

When discussing and designing executive bonus plans, too much time is lost talking about and describing “single bonus” and “double-bonus” methods, and too many cases may be lost because they haven’t been discussed at all.

We have created an overview of all the basic information you need to get started talking competently and helpfully to clients about coverage needs. It doesn’t require reading five feet of books – in fact, it is all covered in just three pages.

The B Trust is a good vehicle to serve as owner of the coverage.

A wise advisor looking beneath the price tags will find that, similar cost notwithstanding, some term products are more equal than others.

Good fact-finding reveals and develops all that there should be about a transaction involving life insurance, both for the client’s overall plan and the advisor’s practice.

Be sure that any legal counselor you recommend adequately tutors clients as to the importance of and qualifications for those selected to conduct their affairs when they cannot.

Not since the “flight to quality” during the 1990s have there been conditions in the economy and the industry that could serve as such strong possible motivation for policyholders to move coverage from their current carrier to another.