business insurance

Create a Legacy Recovery Plan

While so many aspects of people’s financial lives have been shaken, life insurance continues to do exactly what it was designed to . . . serve as the foundation of a family’s financial security. While the value of many other financial assets have slipped, the death benefit of term life policies has remained the same, […]

Sales Solution – Stabilizing a Client’s Legacy

Do you have clients whose assets have lost value as a result of the recent turmoil in the markets? Are some of these clients concerned that the losses will be detrimental to their wealth transfer plans? Are you aware that NOW you can help restore your clients’ wealth transfer plans by using life insurance death […]

Want to Improve your Client Relationships? DBS Can Help!

Your relationship with your clients is more than “just business.” Clients look to you to provide guidance on financial matters, including the amount and type of life insurance that is appropriate for their unique situation. This week, we’re sharing some key strategies and ways you can build relationships with clients. Plus, we recommend some product […]

Understanding Gift Taxation

If you ask any estate planning advisor to tell you the best time for estate planning, they would likely tell you it is when the amount exempted from estate/ gift tax (exemption amount) is high and asset values and interest rates are low. That is the situation we find ourselves in today. Read full PDF […]

Case Study – Strategy for Uncertain Estate Tax Environment

Read our print-friendly version here Situation: A producer contacted DBS’ in-house advanced case design resource to discuss an insurance structure for retirement age clients with $15 million net worth. The producer noted that the net worth was less than the current joint exemption ($23.16 million), but more than the prior exemption which is set to return […]

Using Historically Low Interest Rates to Acquire Life Insurance: Sale to an IDGT

With the Applicable Federal Interest Rates (AFR) at historic lows and the amount an individual can gift sheltered by the gift tax exemption at a historic high, some of the most commonly used estate techniques are even more effective right now. One technique that is effective in a low interest rate environment is the asset […]

The Long and Winding Road to Achieving Loan Forgiveness Under the Paycheck Protection Program

Since the enactment of the CARES Act on March 27, 2020 it has garnered considerable attention. One program that generated significant excitement is the Paycheck Protection Program (PPP), because it appeared to offer small business owners an incredible opportunity for relief from the economic crisis caused by the Coronavirus pandemic. Unfortunately, guidance has been released […]

The Many Ways to Structure a Gift Transfer

Read our print-friendly PDF version The combination of depressed market values, extraordinarily low AFR and 7520 rates, and historically high gift/estate exemption of $11,580,000 opens the door to significant wealth transfer planning opportunities for high net worth individuals and their families. While making a gift of an amount equal to a large part of, or […]

The SILVER LINING to COVID-19 Impact

Read our print-friendly PDF version Now is the Perfect Time for ESTATE PLANNING for Wealth Transfer.

Paycheck Protection Program: A Panacea or Fools Gold?

Read our print-friendly PDF version Since the Coronavirus Aid Relief and Economic Security (CARES) Act was passed by Congress and signed into law by President Trump on March 27, 2020 it has garnered considerable attention among financial advisors. The interest is due not only to its application to clients of the advisor, but also because […]