Blog
Life Insurance Planning Opportunities for 2026
Situation: As we enter 2026, life insurance planning stands at the intersection of evolving tax policies brought about by the One Big Beautiful Bill Act and the focus on our clients’ long-term financial resilience. Life insurance is recognized not only as a tool for income protection but also as a component of broader wealth, estate, […]
Year-End Planning Opportunities to Take Advantage Of
As the calendar year draws to a close, individuals and businesses have a valuable opportunity to review their financial positions and take strategic steps to minimize tax liabilities. By helping your clients assess their income, expenses, investments, and changes brought about by the recent legislation and rulings, you can help your clients make informed decisions […]
Life Insurance Retirement Planning for Women
When focusing on retirement planning with life insurance, we at DBS would like to examine how the strategies pertain to women. The numbers are clear: women face greater challenges when it comes to retirement planning, and their wants and needs are unique. The DBS Case Design Team has the experience you need to help you […]
LTC Planning in Retirement
The Necessity of Long-Term Care in Retirement Planning When helping their clients formulate plans for retirement, financial advisors must now account for life expectancies into the early 90s. However, the simultaneous need for long-term care planning isn’t accounted for nearly as widely as it should be, considering the significant impact that long-term care expenses can […]
Underwriting Long-Term Care
Underwriting long-term care risk is very different from life insurance underwriting, and it all comes down to mortality vs. morbidity. Long-term care underwriting looks at morbidity risk, which takes into account medical impairments that impact a client’s ability to perform daily living activities which would indicate a need for long-term care. Life underwriting, on the […]
The Long-Term Care Talk
The Importance of Planning for Long-Term Care Medical advancements have made living a long, fulfilling life a near certainty – and planning for that is a necessity. Health-related expenses can increase considerably with age, especially in the face of health problems requiring long-term care. When families don’t sufficiently plan for long-term care, they may find […]
Will You Be Your Parent’s Keepers? Understanding Filial Responsibility Law
Situation: The rapid growth of the senior population, ever increasing life expectancy, and dismal retirement saving rate, along with the questionable stability of government programs like Medicaid, Medicare, and Social Security, put the United States on the verge of having more impoverished seniors than ever. Against this backdrop, states are exploring options to cover the […]
