Optionality is KEY to Estate Planning Today
During the last several weeks I have assisted quite a few AgencyONE 100 advisors with alternative estate and gift tax planning options to present to clients who are concerned with many of the Biden Administration tax proposals. Advisors and clients know that optionality is key to estate planning when the tax environment is so uncertain. […]
Aortic Aneurysm – Can I Still Get Life Insurance?
This week’s ONEIdea is an ANATOMY LESSON on the AORTA that discusses how the artery works and what can happen to cause an Aortic Aneurysm. Many ask, “can I still get life insurance after being diagnosed?” The answer is “yes”, but it depends upon the specifics of the diagnosis, treatment, and follow-up care. The examples […]
A Worry for All – New Proposed Tax Law
In a recent New York Times article entitled It May Be Time to Start Worrying About the Estate Tax the author, Paul Sullivan, addressed the challenge of the lost step-up in basis on assets that have been transferred at death as his main point. This eventuality should be a worry for ALL taxpayers, not just […]
Finding the Right Life Insurance Solution – Drilling Down
Our Case Design team recently worked on an interesting case with one of our AgencyONE 100 advisors. It started out very straightforward, but we soon discovered that finding the right life insurance solution for the clients would require drilling down beyond the initial request from the advisor. Guaranteed Survivorship Solutions Mr. & Mrs. Smith, both […]
Life Insurance for Children
Most of you are familiar with my personal story but for those of you who are not, please indulge me. This ONEIdea is about insuring minors – yes, “kiddie life insurance”. The press is full of articles about why life insurance for children (a minor child) is a terrible idea, but there are other opinions […]
You Have To Ask The Questions – Marijuana & Nondisclosure
“Oops, I did it again…” a song made popular by Britney Spears in 2000 has absolutely NOTHING to do with life insurance protection but focuses on committing the same mistakes over and over. As an advisor to clients seeking life insurance coverage, you HAVE TO ASK THE QUESTIONS – the required medical and non-medical questions […]
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June is LGBTQ+ Pride Month! We celebrate Pride Month to recognize the history and impact of the LGBTQ+ community.
Did you know? The Greek Lambda symbol was often used as a symbol of gay rights before the rainbow flag.
#lgbtq #pridemonth2022 #lifeinsurancematters #LifeInsurance
Can your pregnant client obtain life insurance? YES, BUT there are a lot of factors that MUST be considered during the underwriting process. (Dennis Bartos, PA and Julie Melendez)
#pregnancy #underwriting #lifeinsurancematters #lifeinsurance
Underwriting Pregnancy and Pregnancy-Related Conditions - More Complicated Than You Think!!
A currently pregnant client wonders if she should apply for Life Insurance now or wait until after the child is born, but underwriting pregnancy and p...
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