Advisor Education & Training Center
Ultra Affluent
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…
How Recent Tax Legislation Can Be Applied Strategically in Business Planning
⏲ 6 min read ⏲Major tax legislation creates planning opportunities beyond deductions. Businesses that understand the implications can position themselves more effectively.
Planning Ahead for an Inheritance That Hasn’t Arrived Yet
⏲ 4 min read ⏲ Projected inheritances create planning opportunities—and risks. Coordinating expectations early helps avoid surprises and inefficiencies later.
Why Estate Planning Is Evolving Again—and What Advisors Need to Rethink
⏲ 4 min read ⏲ Estate planning isn’t just reacting to tax law changes. New tools and client expectations are reshaping how advisors structure flexibility, liquidity, and long-term control.
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
Can Insurance Play a Role in Managing Market Downside Risk
⏲ 5 min read ⏲ Insurance isn’t a replacement for investing, but certain structures can help mitigate downside exposure while preserving long-term planning objectives.
Flexible Funding Approaches That Keep ILITs From Becoming a Burden
⏲ 4 min read ⏲ Rigid funding structures can undermine even well-designed ILITs. Flexibility in premium strategy helps preserve long-term success and family harmony
The Overlooked Planning Implication Hidden in the Connelly Decision
⏲ 4 min read ⏲ Beyond the headlines, certain court decisions reveal planning nuances that advisors can leverage—or ignore at their clients’ expense.
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.
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 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.
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
