Tactical Product Designs
Cavalier Associates has launched a new offering on the Advisor Education & Training Center to assist advisors in sourcing more efficient strategies to address insurance planning challenges you may be facing. This diverse collection includes perspectives on commonly encountered planning and underwriting challenges and corresponding solutions. In most instances, these will also help articulate the challenge for the client, making it simple to tie the need to the solution in a conversation that takes less than fifteen minutes. This collection also serves as an invitation to engage with the team of insurance professionals at Cavalier Associates to construct the bespoke solution for your client.
Below please find a brief description of each of the strategies currently available, with more being added each and every month. When one of these sparks an interest, simply reach out to the team at Cavalier Associates to schedule your session. Not sure where to start? A brief chat with one of the Cavalier Associates team can help pinpoint a strategy that will suite your practice well.
Splitting the Proceeds of a 1035 Exchange Unlocks Planning Opportunities
We’ve seen strategies for utilizing accumulation-focused insurance policies that have grown significant cash value become an effective repositioning strategy. The result is an updated insurance position that reflects the client’s current needs and leverages today’s modern products.True insurance planning is far more nuanced than finding the best underwriting offer or the best price. It involves […]
TCJA Sunset Impacts on Projected Inheritance
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. The impending sunset of the Tax Cuts and Jobs Act at the end of 2025 increases the risk that comes with waiting until receipt of an […]
A Fresh Approach to an Executive Benefits Strategy
If you’ve worked in the business market, you are undoubtedly familiar with Section 162 Bonus Plans. Rather than the traditional life insurance focused approach, this fresh approach delivers something that may be perceived as even more valuable: Long-Term Care coverage.
The Stretch IRA Second Sale
In an ironic twist, the planning opportunity focuses not as much on the taxes paid by those beneficiaries, but on the “G1” IRA owner who has had the good fortune to accumulate a large qualified plan balance & the ability to fund a traditional IRA Maximization strategy.
The LTC and Estate Tax Legislation Hedge
There’s a lot of potential change on the horizon in the Long-Term Care and Estate Planning markets. Between a potential wave of state level LTC legislation plus the possible sunset of the estate tax exclusion levels embedded in the TCJA, clients are facing a period of uncertainty.
The Recession Hedge
Clients are understandably concerned about the impact of a recession on their portfolios, particularly if they are starting to see their retirement date on the horizon. Unfortunately, staying on the sidelines versus in the market is the last thing they should do.
Using an Interest-Free Catch-up to Free Up Client Assets
The affluent often became wealthy as a result of their own hard work, owning a business, creating a real estate empire and the like.
These individuals have a track record…
A Life Insurance Strategy that Delivers “Better than Market” Performance – Stepped Premium Design
Designing life insurance strategies that deliver “better than market” performance is as much an art as it is a science. This design uses both elements, with a…
Key Employee Retention & Retirement – The Disability Insurance Gap
In the business market, top performers often command a more robust suite of benefits than the rest of the company. Unfortunately for some, that is not always the case. In fact…
Key Employee Retention & Retirement – The Life Insurance Gap
In the business market, top performers often command a more robust suite of benefits than the rest of the company. Unfortunately for some, that is not always the case. In fact…
Key Employee Retention & Retirement – The Retirement Gap
In the business market, top performers often command a more robust suite of benefits than the rest of the company. Unfortunately for some, that is not always the case…
A “Balanced” Approach to Accumulation IUL Case Design
The conventional approach to designing accumulation-focused Indexed UL strategies involves minimizing the death benefit. Often, this is combined with using the maximum…
The Role of Life Insurance in an Asset Location Strategy
Asset Allocation has been part of the investment professional’s asset management strategy for decades. More recently, a considerable amount of attention has…
Pleasingly Different and Demonstrably Superior – A New Entrant in the Indexed UL Segment
In the IUL segment, a demonstrably superior product starts with performance. Simply put, the income potential is industry leading by a healthy margin. The Rest…
The Seasoned Life Insurance Challenge
As clients age, they can find themselves in an enviable position: Their insurance assets have done what they were designed to do: Provide protection for…
The Impaired Risk Asset-Based LTC Solution
Anyone selling Long-Term Care Insurance, either traditional or asset-based, knows that there are some “full stop” impairments that will trigger an automatic decline. They’re rather…
