Patricia M. Annino, Estate Planning Attorney, ACTEC Member,  Boston, Massachusetts Excerpt from Presentation, October 12, 2006 “And, I am a huge believer in long term care insurance even if you have the money to self insure. And the reason is…dignity.  I see what happens when families start to unravel, and people walk into my office […]

Amount: Is the amount of life insurance correct for your client’s needs? Should the death benefit be a level death benefit or an increasing death benefit? Basic Assumptions: Are policy projections based upon a reasonable assumed gross annual rate of return? Ownership: Is the policy ownership structured correctly within your client’s estate, business or financial […]

Amount: Is the amount of life insurance correct for your client’s needs? Should the death benefit be a level death benefit or an increasing death benefit? Basic Assumptions: Are the illustrated assumptions accurate and reasonable? (i.e. age, gender, health underwriting) Ownership: Is the policy ownership structured correctly within your client’s estate, business or financial plan? […]

Amount: Is the amount of life insurance correct for your client’s needs? Should the death benefit be a level death benefit or an increasing death benefit? Basic Assumptions: Are the illustrated assumptions accurate and reasonable? (i.e. age, gender, health underwriting) Ownership: Is the policy ownership structured correctly within your client’s estate, business or financial plan? […]

Amount: Is the amount of life insurance correct for the client’s needs? Basic Assumptions: Are the illustrated assumptions accurate and reasonable? (i.e. age, gender, health underwriting) Ownership: Is the policy ownership structured correctly within your client’s estate, business or financial plan? Beneficiaries: What are the appropriate primary and contingent beneficiary designations? Who is responsible to […]

Amount: Is the amount of life insurance correct for the client’s  needs? Should the death benefit be a level death benefit or an increasing death benefit? Insureds: Is the policy  design correct for current needs? (i.e. single life, joint life) Ownership: Is the policy ownership structured correctly within  your client’s estate plan? Beneficiaries:   Are the […]

Amount: Does the amount of life insurance provide adequate liquidity for the requirements of the buy/sell agreement based upon the current business valuation, and the projected business valuation over the next three to five years? Ownership & Beneficiary: Are the ownership and beneficiary designations of the life insurance policies consistent with the provisions of the […]

IDEA: Guaranteed Estate Planning Life Insurance with Premiums Reduced 20-30% –Universal Life Insurance with No Lapse Guarantees Are your clients with estate planning life insurance interested in the cash value of their estate planning insurance? Or, have they purchased this life insurance strictly for the tax free death benefit as a part of their overall […]

This article will offer you two simple and low cost steps to help maximize your protection in the event of a disability. The likelihood of a total disability is four times greater than death during your working years. However, disability planning and disability insurance receive much less attention than life and health insurance planning. Two […]

A $1,000,000 portfolio of stocks and bonds is usually professionally managed and monitored on a monthly basis. Yet, we see people all the time with a life insurance portfolio of $1,000,000 or more that has not been carefully reviewed for many years. When was the last time you had your life insurance policies reviewed and […]