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 ideas that work – all laid out in a handy grid and based on specific age ranges!
Situation Interest rates factor into the performance of many legacy and charitable planning techniques. So, over the past several years, the historically low interest rates, and the availability of higher gift and estate exemptions have provided a unique environment for certain legacy and charitable planning techniques. Specifically, in a low interest rate environment grantor retained […]
We’re focusing this month on Life Insurance and Family, with a special focus on generational planning. A recent case shows how the DBS team works for YOU to create solutions! Situation: An adult child desired to purchase a life insurance policy with a longterm care or chronic illness feature on his elderly mother to help […]
The Generation Skipping Transfer Tax (GST tax) is an extra tax on gifts or bequests from grandparents to grandchildren (or lower generations) that would otherwise skip successive gift or estate taxation. The GST tax rate is a flat 40% regardless of the amount of the transfer or the donor/testator’s gift or estate tax bracket. The […]