• rsz_1estate-tax-return-918x516
    January 16, 2018

    What The Wealthy Should Consider Because Of The Higher Estate Tax Exemption Levels

    With the doubling of the federal estate tax exemption levels, a substantial number of wealthy families will no longer need to pay the tax. There are a number of very valuable implications for these families. Also, for many wealthy families who will still need to pay a federal estate tax, there are also steps they might want to consider.

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  • rsz_1life-insurance-estate-planning
    January 03, 2018

    What Should You Do About The Life Insurance You No Longer Need?

    You purchased life insurance (not term life insurance) to pay estate taxes. Starting this year the new law exempts estates with about $11 million for individuals and about $22 million for couples. You no longer need the life insurance to pay the tax. What should you do?

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  • rsz_31
    January 03, 2018

    Tax Reform Fuels Life Settlements in Two Ways

    Many Financial Professionals are aware that the recently passed tax reform bill doubled the current exclusion of $5.49 million for a single person and $11 million for a couple. "For years, high net worth estates utilized life insurance as a method for paying their estate tax.

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  • rsz_1731-irs-600x338ab-resize-600x338
    January 03, 2018

    New Tax Law Enhances Life Settlements Market

    The new tax law, the Tax Cuts and Job Act of 2017 (TCJA), contains two provisions that provide a boost to life settlements, which should spur added growth of the life settlement market. First, the law makes the tax treatment of a life settlement to the seller more favorable and, second, the increased estate tax exemption could make some policies, which were purchased for estate tax purposes, unnecessary and, therefore, candidates for a life settlement.

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  • rsz_1taxes
    December 18, 2017

    5 Key Life and Health Sections in Final Tax Bill

    The new, combined version of H.R. 1, the Tax Cuts and Jobs Act bill, could cost life insurers about $22 billion over the period from 2018 through 2027. Rep. Kevin Brady, R-Texas, originally proposed a version of the tax bill that would raise about $22 billion, by combining a $7 billion change in the tax rules for life insurers' deferred acquisition cost (DAC) expenses, or spending on activities such as marketing, underwriting, and paying agents' and brokers' commissions, with a $14.9 billion change in life insurers' reserving rules.

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  • rsz_conning
    October 30, 2017

    Conning--Life Settlements Growth Trajectory Challenged by Insurer Cost of Insurance Increases

    Overall market conditions point to growing demand for life settlements, but continued insurer increases in cost of insurance on existing policies presents a challenge to growth, according to a new study by Conning.

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  • rsz_1193-piggy-bank-738x415ts-resize-600x338
    October 30, 2017

    Life Insurance as a Retirement Asset

    One of the notable changes in the American economy over the last couple of decades has been the virtual disappearance of the steady 40-year career with one employer. It has been replaced with a culture where workers move from job to job, sometimes combining multiple part-time gigs to stitch together a required income.

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  • rsz_1251-washington-600x338ts-resize-600x338
    October 30, 2017

    Turn Term Policies into Cash With a Life Settlement

    Term policies that are convertible to universal life make some of the best prospects for a life settlement, but they are frequently overlooked.

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