⏲ 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 clients and advisors.
⏲ 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
⏲ 5 min read ⏲
Cost basis issues can quietly undermine buy-sell plans. Proactive design helps prevent unintended tax consequences at the worst possible time.
⏲ 3 min read ⏲ The first transfer happens when one spouse dies. Advisors who understand this can win business earlier and retain households longer
⏲ 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.
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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