Advisor Education & Training Center

Thanks for visiting the Advisor Education & Training Center, an educational platform designed to not only expose the financial and
insurance planning community to new strategies and sales ideas, but also provides direct access to the experts behind them.

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.

The Hidden Tax Risk of Self-Funding Long-Term Care

⏲ 4 min read ⏲ Paying for care out of pocket may seem straightforward, but it can trigger significant tax consequences. Planning ahead reduces both financial and tax exposure.

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.

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.

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.

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.

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.