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Commercial Investment Real Estate May/Jun 2014 Mary Stark Hood	Charitable Donations of Life Insurance Life insurance is often overlooked as a gifting option when individuals are considering gifts to charities, but it can be an effective way to provide a charity with funds for future work.
Financial Planning August 1, 2008 Donald Jay Korn	You Bet Your Life Financial planning clients that no longer want to pay premiums for life insurance traditionally stopping premium payments or surrendered the policy to receive any cash value. Recently, yet another path to liquidity has opened: life settlements.
Financial Planning February 1, 2005 Grace W. Weinstein	Into the Maw Life insurance payouts usually aren't subject to taxes-unless your client makes one of these mistakes.
Registered Rep. March 18, 2014 Alan Lavine	Donating Life Insurance It's possible for philanthropic-minded clients to donate their life insurance to charity and get an attractive tax deduction.
Registered Rep. November 30, 2015 Kevin McKinley	Five Estate Planning Moves Advisors Should Consider You may not be a lawyer, but there are still several strategies you can employ to save money for your clients and their families, while avoiding potential headaches and heartache down the road.
Investment Advisor June 2008 Bob Clark	Turning the Tables Larry Fondren's latest mission is to provide alternatives to the current life settlement approach for consumers who want or need to liquidate their assets in life insurance policies.
Financial Advisor September 2006 Beck & Leibell	Life Insurance For Charitable Gifting The use of life insurance to make charitable gifts can be an effective and cost-efficient means of fulfilling charitable intentions without making a sizable donation while alive.
Registered Rep. November 15, 2011 Alan Lavine	A Good Marriage: Life Insurance and Annuities What do you get when you splice together a life insurance policy and an immediate annuity? A reversionary annuity. Yes, that's a mouthful, but it carries some of the advantages of each and is ideal for certain kinds of clients.
Registered Rep. October 17, 2011 Alan Lavine	Tune Up: Sometimes It Makes Sense to Exchange a Client's Life Insurance Policy Today's life insurance policy may provide more benefits at a lower cost than coverage purchased more than a decade ago.
The Motley Fool November 4, 2011 Robert Brokamp	Give Your Life Insurance a Checkup Are you getting the right amount of life insurance?
Investment Advisor May 2008 Marlene Y. Satter	If A Stranger Calls Older clients may be tempted by stranger-oriented life insurance, but beware, it may not be as good as it sounds.
Registered Rep. September 7, 2015 Kevin McKinley	Eight Outside the Box Risk Categories Here are eight outside the box situations that may signal it's time to take a more cautious approach to investing and allocating clients' assets.
BusinessWeek October 31, 2005 Toddi Gutner	Wanted: Your Life Insurance Investors are keen to offer "life settlements," where they buy your life insurance policy for cash. Seller beware. Before you grab the money from an eager buyer, get some good advice from a financial planner, an estate attorney, or even your doctor.
The Motley Fool April 23, 2009	Why You Need a Renewable Term Life Policy How to attain ongoing life insurance coverage regardless of your health.
The Motley Fool October 30, 2006 Tim Beyers	Foolish Advice on Life Insurance Life insurance seems simple. And it should be. But more and more agents are selling complex, commission-boosting products that do little for consumers. Be cautious and buy only the minimum.
Investment Advisor September 2010 Tere D'Amato	Expert's Corner: Leveraged Philanthropy: Caution Sign Ahead If leveraged charitable insurance planning sounds too good to be true, it just might be.
Entrepreneur September 2006 Jacquelyn Lynn	Rest in Peace Ensure company longevity with life insurance policies.
Financial Advisor October 2006 Richard L. Harris	Life Insurance At A Discount Certain techniques offer many benefits for very wealthy clients.
Registered Rep. November 1, 2004 Kevin McKinley	The Age Game Whether your clients' estates are under or over the "death-tax" threshold, the following strategies will help ensure your clients' family wishes will be met in the most tax-efficient and cost-effective manner.
Registered Rep. July 16, 2013 Alan Lavine	Insurance Strategies to Build Wealth When it comes to life insurance, rarely does one size fit all. So why not tailor a policy to fit your client's investment and estate plans?
The Motley Fool September 16, 2004 David Jacobs	Keep It in the Family The IRS is gunning for your inherited IRA. Follow these steps to avoid costly penalties.
Financial Advisor November 2004 Alan Lavine	Search For Alternatives Crimps Survivorship Sales Despite tax laws that have cut the estate tax bite, survivorship life insurance (SLI) continues as a popular estate planning tool. But it is not the panacea that it was for baby boomers' parents in the late 1980s and 1990s.
Registered Rep. February 24, 2011 Kevin McKinley	Managing Mom's Assets Many of your retiring boomer clients are dismayed to finally reach financial independence, only to find themselves spending valuable time and money supporting and caring for one (or two, or more) of their elderly parents.
Financial Advisor October 2010 Steve Parrish	Time To Rebuild Financial advisors can help battered business owners plan for the future.
Investment Advisor May 2009 Lewis Schiff	The Affluentialist: Why The Affluent Need LTC Insurance The high cost of health care was the second chief concern of wealthy Americans in a recent Northern Trust survey.
BusinessWeek April 23, 2007 Anne Tergesen	The High Price Of Free Insurance Deals that fund, then buy out, big life policies may shortchange seniors.
Registered Rep. June 1, 2006 Kevin McKinley	Premium Option When financial advisors start offering life insurance to their clients, they soon learn how wide the divergence is between term and permanent policies. Permanent policies are much more lucrative for advisors and provide some cash for clients during their lifetime.
Inc. October 2007 Elaine Appleton Grant	Passing It On Using life insurance as an estate planning tool.
Registered Rep. December 1, 2004 Kevin McKinley	Make a Killing on Kindness The fact remains that assisting benevolent activities involves two components shared by most successful financial advisors: working with rich people and being near money in motion.
Investment Advisor August 2009 Tere D'Amato	Expert's Corner: Time to Talk Insurance Advisors should make sure clients' insurance portfolios are in great shape because they may need them now more than ever.
Registered Rep. January 28, 2015 Kevin McKinley	Early Retirees Should Make the Most of Their Mortgages Ignoring this portion of a client's financial picture could mean less flexibility, and more money going toward taxes -- especially for those who would rather retire sooner than later.
Financial Advisor June 2008 Bruce W. Fraser	VUL: Pros And Cons When your clients are facing one of the more turbulent markets in recent memory, should you be recommending variable universal life insurance to your clients?
BusinessWeek May 2, 2005 Carol Marie Cropper	A Combo Policy For Long-Term Care Life insurance with an accelerated benefits rider can be used to cover the cost of nursing homes if the policyholder needs it for long term care.
The Motley Fool April 22, 2009	Term Life vs. Cash Value Insurance Policies Make sure you're getting the right insurance protection for your family.
Financial Planning March 1, 2012 Donald Jay Korn	Settling Down A financial planner may find it difficult today to help a client sell a life insurance policy at an appealing price. Nevertheless, some policies are being sold, so planners might want to consider exploring the possibility with clients who are likely candidates.
Registered Rep. July 18, 2011 Alan Lavine	Considering Life Insurance for Single Clients More than half -- 54 percent of single men and 58 percent of single women -- lack life insurance coverage.
Investment Advisor August 2006 Marlene Y. Satter	Insurance Update: Insurance Multitasking Long-term care insurance is frequently a hard sell, until people are older and often ineligible for coverage. Planners thus may be interested in a multifaceted strategy that answers several needs at once.
The Motley Fool July 26, 2005	Term vs. Cash-Value Insurance: Which Is for You? Be a careful shopper when it comes to cash-value insurance.
The Motley Fool March 4, 2004	Term vs. Cash Value Insurance Don't spend more than you need to on insurance. Deciding if you need term life or cash value insurance.
Financial Advisor August 2006 Mary Rowland	Unsettled Controversy and critics still shadow the growing life settlement market. Financial advisors should take a look at this segment and determine if -- and how -- they might evaluate it as an option for affluent clients in their retirement years.
Registered Rep. April 1, 2006 Kevin McKinley	On Golden Pond--Literally Buying life insurance while establishing a qualified personal residence trust is an especially shrewd move for benevolent owners of second homes. Since the trust will theoretically eliminate estate taxes on the property, the clients can get by with a smaller death benefit -- and lower premiums.
BusinessWeek February 21, 2005 Peter Coy	Scared To Death Of Life Insurance Choosing the amount of coverage is hard. The trick is to think like an economist.
Financial Advisor December 2003 Eric L. Reiner	Split-Dollar Regime Change 2004 Some split-dollar insurance arrangements require action by December 31.
Registered Rep. January 1, 2003 Kevin McKinley	Putting On Heirs In your initial meetings with clients, an answer to one question will give you insight into their values, lives and dreams and create a healthy anxiety that will motivate them to enlist your services. As nonchalantly as possible, ask, "When you die, who will get your money?"
Financial Planning June 1, 2005 DeFrancesco & Salani	A Hidden Asset How clients can turn life insurance into cold, hard cash while they're still alive.
Investment Advisor July 2008 Lewis Schiff	A Special Kind of Life Insurance Private Placement Life Insurance is not for everyone, but for those clients who are concerned about estate taxes and have sufficient assets to protect, PPLI offers tax-advantaged hedge-fund investing and other benefits.
BusinessWeek November 3, 2003 Anne Tergesen	Deflecting A Blow From Uncle Sam How executives can avoid a new tax on their "split-dollar" insurance perk.
Financial Planning March 1, 2010 Ed Cassidy	New Life It's become a familiar story for advisors: Their affluent clients are now facing a changed reality. The financial crisis has left them feeling they have to choose between their well-being and their children's inheritance.
Registered Rep. June 1, 2008 Kevin McKinley	CRUTS And CRATS Charitable lead trusts and charitable remainder trusts: which are better for your wealthy clients?
Financial Planning June 1, 2005 Donald Jay Korn	Look Closer Optimistic projections and underwhelming returns have shown that variable universal life insurance must be recommended--and monitored--with caution.