The most common insurance need among prospects and clients is to replace the income survivors would have anticipated had premature death not occurred.

When proposing life insurance we would manage client expectations better if we took time to explain the disproportionate obligations that exist once coverage is put in force.

In these situations it is important to know the carriers who are sympathetic to and will underwrite reasonable amounts of coverage if other facts about the case are in order.

The cost of getting with the attorney to draft and implement a written agreement, to say nothing of the time and effort required, is discouragingly disproportionate to the amount of premiums for the coverage. 

Never secure a loan with a beneficiary designation.  Always use a collateral assignment!

Policy provisions that appoint an insured as a default owner are more common than most agents would think.

The fields are hardly white for harvest if an insurance advisor intends to get rich selling charitable-owned coverage.  Nonetheless, there are circumstances where carriers may look beyond the donation-multiple standard.

Deferred compensation (or SERPs) and split dollar plans have become too regulation-laden and require too much administration, record-keeping and reporting to jingle any bells amongst most prospects. What to do?

Too often shortcuts are taken in the establishment of irrevocable trusts and too often insufficient attention is given to their ongoing administration.

The need for a reliable value occurs often in the business, estate and financial planning process.  And by “reliable” we mean one that the IRS will find acceptable, because usually the value is needed to calculate the tax consequences at the time of an ownership change.