If you die without a will, you might leave behind confusion. Prince’s massive estate, believed to be worth hundreds of millions, is still unsettled, still not officially valued and still not disbursed to the heirs, his six siblings.

There is an easy and economical way business owners can protect loyal employees, and the concept should be a club in the bag of every agent working the small to mid-sized business market, or who wants to be a player there. 

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

There are numerous challenges that must be addressed during the accumulation of wealth. One set of solutions that are often overlooked are the many charitable tools that can help facilitate this transition.

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.

In today’s economy, some of your wealthier clients may be hesitant to purchase Survivorship Life Insurance coverage due to uncertainty – but there is another way to cover their insurance need without the finality of a Survivorship plan or the cost.

By directing surplus cash flow towards philanthropy or a philanthropic tool, we can help solve the plight of too much of a good thing.

In the world of charitable planning, there are numerous things that can be done if the qualified money will cause unneeded or unnecessary taxes.

Going from product salesperson to confidant doesn’t happen easily, but identifying and discussing gifting opportunities with sincerity and knowledge is a definitive way to change perceptions.