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Relevant Topics Inside and Outside the Box


Browse our curated selection of publications or search by topic for easy-to-understand information about relevant financial concepts and strategies.

Cleaning Out the Attic, Analyzing My Life Insurance, and Other Tasks I Never Get Around To

Every policy needs to be reviewed periodically, especially when life circumstances change.

Life Insurance: How Much is Enough?

The right coverage always starts with assessing the need and thoughtfully designing a plan to meet the client’s specific objectives.

Capturing Insurance Capacity

Once basic life insurance needs are met, a client may wish to inventory additional coverage for future planning and optionality.

Do Your Homework on Indexed Universal Life Insurance

High-net-worth clients should answer four questions before implementing premium financed Indexed Universal Life.

How to “Settle” for More: Creating Excess Value with Life Settlements

When life insurance is no longer needed, institutional buyers may pay fair market value in excess of the policy’s cash surrender value.


Use Their Money
Dollars in a Box
Known Outcomes at an
Unknown Time
For those who don't like life insurance or think it's a bad investment, consider a different perspective on the concept of the purpose of it utilizing as a vehicle for tax efficiency.

Estate tax is a liability on your balance sheet already. A portion of your money will not be yours upon death.

Why not buy life insurance with their money to protect your money?

The money you spend gives you an estate tax deduction because you are actually taking it out of your estate.

Use their money to protect your money.​
Life insurance dollars, like 401(k) or IRA money, is one of the few tax-deferred investments. What is tax-deferred growth really worth over time?

If you put a dollar in a box and it doubles every year for 20 years – tax free – at the end of that time, you have $1,000,000.

If you put a dollar in a box and it doubles every year for 20 years – but you take out 40% each year for taxes – at the end of that time, you have $12,000.

Choosing the right box matters.​
We may not know what stocks, bonds, real estate or other assets in a portfolio will be worth in the future.

We know for certain that it will be 100% liquid and usable at that time – it's the only asset that will do that.

This allows for use of the immediate liquid insurance proceeds to protect the valuable illiquid assets of the estate.

Make sure you are using all valuable assets of an estate.​

For those who don’t like life insurance or think it’s a bad investment, consider a different perspective on the concept of the purpose of it utilizing as a vehicle for tax efficiency.

Use their money to protect your money.


Business Planning

As with individuals, businesses also need a Plan B. Closely held businesses implement life insurance to continue operations in the event of a key employee’s unforeseen death, to attract and retain executive talent, and to facilitate succession plans to ensure business continuity.

Stay Bonus

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Wealth Transfer Planning

Affluent families utilize life insurance as a means of providing estate liquidity at death and preserving wealth across multiple generations. When implemented in the context of sophisticated planning strategies, clients benefit from the favorable tax characteristics of life insurance and alleviate gift tax friction to maximize overall wealth to heirs.

Personal Planning

High-net-worth individuals implement life insurance to accumulate cash on a tax-deferred basis for retirement or to provide a financial legacy for loved ones at an indeterminate point in the future. Life insurance is a tangible expression of one’s ongoing desire for the wellbeing of surviving loved ones and cherished causes.

Life Insurance as an Asset Class

Life insurance uniquely provides cash when it is needed the most, at the loss of life or retirement income. Traditional life insurance, unlike equity assets, is not subject to market fluctuations. Allocating a portion of one’s investment portfolio to life insurance provides diversification, smooths out volatility, and provides predictable wealth to heirs.


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