tax return

Paying For Long-Term Care

Let’s face it: people are living longer than ever before. This increased life expectancy means that chances are high that many of your clients will be impacted by a chronic illness or an event requiring long-term care. Because of this, you need to prepare them financially. Continue reading our print-friendly PDF here.

Planning for Blended Families and Second Marriages

What 6 topics should your family consider?

It’s Time to Change the Focus of ‘Buy Term, Invest the Difference’ Arguments

If you have spent much time listening to financial pundits, you are probably familiar with the phrase “buy term and invest the difference”. This hotly contested concept has been widely discussed in the financial industry for years.1

Are premiums on a Key Person Policy Deductible? This and Other Common Questions Answered

Situation: When the financial future of a business is dependent on the specialized skills, knowledge, or influence of a person or persons, the business should seriously consider acquiring insurance to help cover its potential loss at the death of such employee. Such insurance coverage is usually referred to as key person life insurance. A key […]

Business Insurance Checklists

The hardest part in working with business owners is getting them to purchase the life insurance they need. However, once the buying decision is made, the next most difficult challenge may be getting the insurance carrier to issue the amount applied for. Packaging the case is critical, particularly when large amounts are being requested. The […]

Consider the No-Sell Buy-Sell Strategy

Building a successful business is not an easy task. Often, entrepreneurs and their families place personal needs second to business demands during the start-up and growth years. As the years pass, the business begins to appreciate, with prosperity just around the corner. However, the untimely death of the entrepreneur may mean that rewards never materialize […]

Key Person Facts at a Glance

Oftentimes, the most valuable assets of any business are the key people who contribute most to its success. They generate revenue, handle major responsibilities and have a unique wealth of knowledge that seems irreplaceable. Help your clients consider the amount of time and money it would take to replace their top talent. If their loss […]