Advisor Education & Training Center
Variable Universal Life Protection
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
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 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.
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.
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
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.
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.
