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Grandparents 21st Century Style
Younger, Wealthier And Helping Their Grandchildren Financially Quick, what demographic group in America is spending more and making more financial decisions? While it may come as a surprise to some, it...
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Families, Life Insurance and Trusts
As a parent, you understand the importance of life insurance. You’ve figured out how much life insurance you need and determined the kind of policy that fits your budget. However, you still have some...
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The Flexible Irrevocable Trust
If structured correctly, an irrevocable trust can meet changing family needs without sacrificing its tax benefits. The increased gift tax and generation skipping exemptions provided under the 2010 Tax...
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MetLife Sales Solutions: The Business Owned Life Insurance Alternative
The irrevocable life insurance trust (ILIT) has long been a traditional estate planning tool. It can be an effective way to own life insurance that provides liquidity at death while keeping the death...
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Discounted Private Split-Dollar: Does the Risk Outweigh the Reward?
The split-dollar hybrid could be a great way to get around taxes — or get into trouble with the IRS. Once a great idea reaches the tipping point, there are two possible outcomes with potentially...
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Transferring Ownership Of Life Insurance
What is the value of a life insurance policy when it is transferred from one policyowner to another policyowner? Are there guidelines we can rely on to determine the value for income tax purposes, gift...
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Asset repositioning in a time of low interest rates
With interest rates at historically low levels, certain types of fixed interest rate financial assets may prove to be inefficient conduits for the transfer of wealth to heirs. These fixed assets...
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Use Caution When It Comes To Backdating Policies
Life insurance policies are priced on the age of the insured — the lower that age, the lower the price. Consequently, the practice of backdating policies has developed as a way of keeping down the cost...
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The 9 lives of second-to-die
By Louis S. Shuntich, J.D., LL.M for LifeHealthPro.com. Louis S. Shuntich, J.D., LL.M., is senior vice president, Advanced Planning, Lincoln Benefit Life Company, Second-to-die life insurance, also...
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The nine lives of second-to-die
Second-to-die policies can help with estate taxes, but that’s far from all. Second-to-die life insurance, also called survivorship life, is most closely associated with the payment of federal estate...
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