Advisor's Journal Latest Updates

1. 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?
2. 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.
3. 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.
4. 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.
5. 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).
6. 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.
7. 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.
8. Preparing Your Clients for Inevitable Tax Hikes
What does the Super Committee’s failure mean to your clients?
9. Key Employee Retention with a Life Insurance Funded DBO Plan
What can your business clients offer their key employees who already have everything? A Death Benefit Only Plan funded with life insurance.
10. Charitable Annuities: To Give Is To Receive
Charitable annuities are a unique mechanism that can satisfy your client’s charitable objectives while providing them with the income they need in retirement.