Advisor Education & Training Center
Guaranteed Universal Life
1035 Exchange or Surrender How to Make the Right Call When a Policy No Longer Fits
⏲ 3 min read ⏲ When an existing life policy stops doing its job, the decision isn’t automatic. Understanding when to exchange, when to surrender, and when to hold can unlock better outcomes for both…
Designing Buy-Sell Strategies That Stay Flexible Without Adding Complexity
⏲ 5 min read ⏲ Buy-sell agreements often fail when they’re too rigid. Smarter design allows flexibility to evolve as businesses grow—without creating administrative headaches
The Buy-Sell Cost Basis Problem Most Owners Don’t See Coming
⏲ 5 min read ⏲ Cost basis issues can quietly undermine buy-sell plans. Proactive design helps prevent unintended tax consequences at the worst possible time.
How to Capture Business in the First Big Stage of the Trillion-Dollar Wealth Transfer
⏲ 3 min read ⏲ The first transfer happens when one spouse dies. Advisors who understand this can win business earlier and retain households longer
Using Life Insurance to Hedge Against LTC and Estate Tax Uncertainty
⏲ 6 min read ⏲ Legislative uncertainty makes planning difficult. Life insurance can act as a flexible hedge against both long-term care costs and future estate tax exposure.
