⏲ 4 min read ⏲
A well-crafted and effective estate plan will often span generations. Implementing insurance solutions involving later generations who may not have a significant net worth today, however, can be challenging.
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As the sunset of the Tax Cuts and Jobs Act approaches, the need for flexibility when funding estate planning strategies is more important than ever.
⏲ 4 min read ⏲ Best practices exist for a reason, as do products that may cost a bit more but offer superior value. In this real-life example, an insurance solution that is built for the business market would have streamlined a key component of buy/sell agreement management that could have prevented multiple days in tax and appeals court.
⏲ 4 min read ⏲ That’s exactly what many think is possible with accumulation products that also offer living benefits. The truth is that an income, living benefits and death benefits all come from the same pool, they are just accessed at different time and through different triggers.
⏲ 5 min read ⏲ With the recent increase in frequency and severity of natural disasters, risk management is top of mind for many. Of course, the risks clients face includes other topics, including threats to their portfolios, suggesting an obvious question: Can clients insure their portfolios the same way they do their houses?
⏲ 5 min read ⏲ Balancing convenience with long-term flexibility and efficiency in buy-sell planning boils down to one key question: How can we enhance planning flexibility and tax efficiency without increasing administrative complexity or risk? In buy-sell agreements, this becomes even more critical as ownership transitions must be smooth, well-funded, and tax-optimized.
⏲ 3 min read ⏲ While estate tax uncertainty is the order of the day for U.S. Citizens, other elements of U.S. Estate Tax Law remain unchanged: Estate taxes due on U.S. Assets owned by foreign nationals.
⏲ 4 min read ⏲ The anticipated sunset of the Tax Cuts and Jobs Act in 2025 may no longer bring sweeping federal estate tax changes. Instead, state-level estate and inheritance taxes are emerging as critical planning considerations, with some states proposing new transfer tax laws.
⏲ 4 min read ⏲ There’s a common belief in the affluent market regarding Long-Term Care Insurance: I can afford to pay for care out of my assets. While that may be true, there’s another perspective that is worth considering: Should I pay for care out of my assets?
⏲ 4 min read ⏲ Varying economic conditions cause permanent life insurance products to fall in and out of favor. That’s not much of a problem for new insurance policies, but for in force policies it presents a major issue: Actual performance that does not meet expectations set at the time of sale. When that happens, a policy owner may not have great choices as they see to make the best of a bad situation. Unless, of course, their policy was purchased with just this possibility in mind.
Since 1993, Cavalier Associates has built a reputation for delivering sales, marketing, planning and underwriting support to the upscale life insurance producer.
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