- Planning for a Long Life: Longevity Insurance and Deferred Annuities
The Treasury Department has proposed rules that may encourage consumers to purchase longevity insurance.
- Could the End of the Inherited IRA Be Near?
The benefit of inherited IRAs could be eliminated soon through a plan proposed recently by the Senate Finance Committee.
- Stand-Alone Living Benefits—Guaranteeing Lifetime Income without an Annuity
Stand-alone living benefits offer a guaranteed stream of income without purchasing a traditional annuity.
- Long-Lost Policy Returns to Bite Couple
Is there any harm in walking away from a policy without receiving confirmation that the policy was cancelled by the carrier?
- SEC Redefines Insurance Suitability Qualifiers for Certain Products
The SEC recently redefined the accredited investor standard that is used to determine whether insureds are permitted to purchase exotic insurance products.
- Reversionary Annuities: A Low-Cost Way to Protect Surviving Beneficiaries?
Reversionary annuities are a low-cost way to ensure that a surviving beneficiary will have adequate income after the death of another.
- IRS Shows Mercy and Allows Stretch IRA
The IRS recently took the unusual step of permitting a taxpayer to undo a lump-sum IRA distribution and avoid tax and penalties.
- An Unlikely Marriage: The New Term UL
If your clients would benefit from a low-cost, term-like product with permanent features, take a look at Term Universal Life (Term UL).
- Which Client Deductions Will Expire after 12/31/11?
Numerous tax breaks expiring this year could have a drastic effect on our clients in 2012.
- IRS Greenlights ILIT Replacement Policies
The IRS has held that a grantor’s power to substitute a policy in an ILIT for another policy of equal value will not result in estate inclusion.
