Over the past few months, there has been a renewed interest in estate planning topics. The increased interest is likely due to the combination of the daily coverage of deaths due to COVID-19, historic high federal exemption amount, and low-interest rates. Recently, some of my calls involved the application of U.S. estate tax laws to […]
September is Life Insurance Awareness Month (LIAM), a nationwide effort put on each year by LifeHappens, a nonprofit organization dedicated to raising awareness about life insurance to help more families get the protection they need. You can celebrate with us — and boost your sales numbers in the process. Here are 5 great ways Take […]
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 […]
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 […]
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 […]
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 […]
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 […]
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 […]
Read our print-friendly PDF version Situation: A financial professional contacted DBS’s in-house advanced case design resource to brainstorm when to approach business prospects that had expressed an interest in discussing supplemental executive benefit arrangements for key employees. Prior to COVID-19 the financial professional ran a successful telemarketing campaign focusing on mid-sized corporations. The campaign specifically […]
Read our print-friendly PDF version Businesses are born when the market has a need and someone has a great idea for meeting the need. A product or service is developed and offered to the public. Over time, the skill, knowledge, leadership, and experience of the business’s key people make it possible for it to grow […]
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