Advisor Education & Training Center
Term Insurance
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…
A Little-Known Estate Tax Planning Opportunity for Foreign Nationals
⏲ 3 min read ⏲ Foreign nationals face unique estate tax exposure in the U.S. Certain planning structures can dramatically reduce that risk when implemented correctly.
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
When Business Insurance Stops Matching the Business It Protects
⏲ 4 min read ⏲ As businesses grow, insurance strategies often stay frozen. Periodic review ensures coverage evolves alongside valuation, ownership structure, and risk exposure.
A Multi-Purpose Planning Tool That Solves More Than One Problem at a Time
⏲ 4 min read ⏲ Some strategies earn their place because they address multiple planning needs simultaneously. Understanding when a single solution can replace several moving parts simplifies planning and improves outcomes.
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.
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.
Succession Planning for Single-Owner Businesses Without a Built-In Backup Plan
⏲ 5 min read ⏲ Without a second owner, succession risk is magnified. Strategic planning creates continuity, liquidity, and options long before an exit is required.
Solving the Key Employee Retention Gap Traditional Benefits Leave Behind
⏲ 2 min read ⏲ Top performers expect more than standard benefits. Life insurance-based strategies can bridge the gap between retention, retirement planning, and long-term employer objectives.
