Even for affluent clients, pre-funding death expenses with discounted dollars remains effective. Life insurance is uniquely able to deliver a specified pool of tax-free liquidity at exactly the time needed to cover final expenses, debt, liquidation, taxes, probate costs and bequests.

Disability overhead expense coverage can keep the lights on when something unexpected happens. The first step is to consider how much to cover. Help business-owner clients detail monthly operating expenses to see how they can be covered if they cannot work.

Same contribution. Different outcome. When factoring in fees, portfolio turnover and taxes, can an investment account match the after-tax spendable income a permanent life insurance policy? Diversify a portfolio by using an VUL's cash value for retirement income.

An effective executive benefit program must meet the objectives of both the employer and employee. This concept examines the structure and design of three plans: nonqualified deferred compensation, restricted executive bonus arrangement (REBA) and split-dollar arrangement.

When it comes to recruiting and retaining key employees, nonprofits are limited due to IRC Section 457. Here are three executive comp plans that help nonprofits including split-dollar, restricted executive bonus arrangement (REBA) and nonqualified deferred compensation.

Unique businesses need unique plans, which includes creating plans that allow business owners to fund retirement. Use this reference sheet to learn three strategies to monetize a closely held business and the advantages and disadvantages for each approach.

Just because an estate is too small to get taxed doesn’t mean it is too small to cause problems with heirs ill-equipped to handle wealth, sibling rivalries, divorce, lawsuits and more. Using a trust, you can give your heirs the benefit of wealth without direct ownership of wealth.

Women pay more than men for disability insurance coverage. Blame statistics and underwriting. Fortunately, there are multi-life options that help level the playing field. By purchasing coverage on multiple employees, female business owners can save money while protecting more lives.

With a variety of available disability insurance plans, you’ll be able to help clients in a variety of different occupations and circumstances, including business owners, find the best income protection solution.

When corporate tax rates are lower than individual income tax rates, owners seek to retain capital in their businesses. Many keep a large part of their working capital in conservative, liquid assets but should consider maximum funding corporate-owned cash value life insurance.

Three plans. One goal: help a business owner retain key employees. Moving from simple to more complex, these plans include and an endorsement split dollar plan, executive bonus plan with option to add restriction and defined contribution supplemental retirement plan.

This a client-facing overview of ways a business owner can retain key employees. Moving from simple to complex, it covers endorsement split dollar, executive bonus with an option to add restriction and defined contribution supplemental retirement plan.