Advisor Education & Training Center
Mass Affluent
Designing Indexed UL with a Clear Exit Strategy in Mind
⏲ 4 min read ⏲ Not every policy should be held forever. Building an exit strategy into indexed UL design helps manage risk and preserve flexibility.
Using Long-Term Care Planning to Improve Tax Efficiency
⏲ 4 min read ⏲ Certain LTC strategies can offer tax advantages beyond protection. When structured properly, premiums may support broader tax planning objectives.
Has Product “Style Drift” Changed How Indexed UL Should Be Evaluated
⏲ 6 min read ⏲ As indexed UL products evolve, their risk and reward profiles can shift. Advisors need to understand how style drift affects long-term expectations and suitability.
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 a Split Annuity Strategy Reshaped Outcomes in a Real-World Case
⏲ 2 min read ⏲ Split annuity designs can produce unexpected leverage when applied correctly. This case study illustrates how structure—not timing—drove results.
Finding a Middle Ground Between MYGAs and FIAs
⏲ 3 min read ⏲ Some clients want more than a MYGA but less complexity than an FIA. Understanding hybrid positioning helps fill that gap.
Using Downside-Protected Life Insurance as a Strategic Income Tool
⏲ 7 min read ⏲ Some life insurance structures can support income planning while managing downside risk. Understanding the tradeoffs is essential to using them effectively.
How to Use Life Insurance to Rescue Clients From Punishing Bank Loan Rates
⏲ 5 min read ⏲ Commercial loan terms have gotten brutal. Show clients how policy assets can be used to restructure debt, reduce financing costs, and regain liquidity control.
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
How to Fix Executive Benefit Gaps and Retain Top Talent Without Overhauling the Whole Plan
⏲ 3 min read ⏲ Top performers expect more robust benefits. Learn how to plug holes using targeted, high-impact strategies.
Building Buy-Sell Agreements That Work Before and After a Business Owner’s Death
⏲ 6 min read ⏲ A buy-sell plan shouldn’t only function at death. Structuring agreements with living benefits creates flexibility, tax efficiency, and smoother ownership transitions.
Rethinking Life Insurance as a Strategic Asset, Not Just a Death Benefit
⏲ 4 min read ⏲ Life insurance plays a broader role than most clients realize. When positioned correctly, it becomes a flexible planning asset that supports liquidity, risk management, and long-term strategy
