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    Is the Split-Dollar Strategy Still Alive in 2019?

    Posted by Bill Jackson J.D. CLU on Wed, Jan 23, 2019 @ 12:00 PM

    Financial professionals should first have a basic familiarity with the Tax Cuts and Jobs Act (TCJA) to evaluate the potential strength of a split-dollar strategy. It is important to know that many clients may have more cash for family protection and retirement planning because of tax reduction. When working with businesses it can be even more important. Many businesses that could not afford executive benefits in the past are now able to afford them.

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    Tags: strategies, Illustrations

    What You Should Know Before Requesting an Illustration

    Posted by Partners Advantage on Tue, May 09, 2017 @ 05:01 PM

    Case design and illustration requests are common daily events that Independent Marketing Organizations (IMOs) handle for advisors they work with. Many of the advisors we work with do a great job of fact finding during the first meeting with a client. Getting the facts and details up-front are extremely important for putting together a good, strong recommendation that can be presented during your next meeting.

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    Tags: strategies, Illustrations, consistent advisor

    Should Your Client Take Fixed or Variable Loans?

    Posted by Jason Konopik on Mon, Aug 08, 2016 @ 05:07 PM

    Life insurance provides valuable protection for loved ones. While the primary purpose of pure life insurance protection is to provide a death benefit, many cash-value products offer "living benefits" that you can take advantage of during your lifetime. One major living benefit of cash-value life insurance is access to the cash values in times of need, such as to help pay for a child's education or to help fund retirement.

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    Tags: IUL, Illustrations, Variable Loans, Fixed Loans

    How Are GPT and CVAT Different?

    Posted by Jason Konopik on Mon, Aug 01, 2016 @ 05:12 PM

    To maximize the power of Internal Revenue Code (IRC) Section 7702 many producers wonder what is the best way to structure a life insurance policy if given the choice of using either the Cash Value Accumulation Test (CVAT) or the Guideline Premium Test (GPT). For this reason, making the proper choice -- or selecting a product with the specific test more favorable to the plan design -- is an important issue when structuring the policy. The test selected can have a significant impact on premiums, cash values and death benefits.

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    Tags: IUL, Illustrations


    This content is for informational and educational purposes only and is not designed, or intended, to be applicable to any person's individual circumstances. It should not be considered as investment advice, nor does it constitute a recommendation that anyone engage in (or refrain from) a particular course of action.