Advisor Education & Training Center
Long Term Care Rider
An Estate Planning Renaissance of a Different Sort
⏲ 4 min read ⏲ The anticipated sunset of the Tax Cuts and Jobs Act in 2025 may no longer bring sweeping federal estate tax changes. Instead, state-level estate and inheritance taxes are emerging as…
Can You Spend the Same Dollar Twice?
⏲ 4 min read ⏲ That’s exactly what many think is possible with accumulation products that also offer living benefits. The truth is that an income, living benefits and death benefits all come from the…
The Tax Time Bomb of Self-Funding Long-Term Care Costs
⏲ 4 min read ⏲ There’s a common belief in the affluent market regarding Long-Term Care Insurance: I can afford to pay for care out of my assets. While that may be true, there’s another…
Riding the First Wave of the Wealth Transfer
⏲ 3 min read ⏲ We often focus on the massive wealth transfer from baby boomers to their children and grandchildren. But the first—and often overlooked—step is what happens when one spouse, usually the husband,…
A Buy-Sell Arrangement that Benefits the Living and the Dead
⏲ 6 min read ⏲ It’s a fact: Most business owners will execute a living buyout rather than have a business owner die prematurely. That singular fact makes it critical to have a buy/sell agreement…
Planning for a Long-Term Care Public Option
⏲ 9 min read ⏲ Clients and advisors alike have Long-Term Care on their mind, and the legislative activity coming from the states may be the most effective “marketing” our industry could ask for. The…
The LTC and Estate Tax Legislation Hedge
⏲ 6 min read ⏲ There’s been a lot of recent change in the Long-Term Care and Estate Planning markets. Between a potential wave of state level LTC legislation plus the passage of the One…
