The nine lives of second-to-die

Second-to-die policies can help with estate taxes, but that’s far from all. Second-to-die life insurance, also called survivorship life, is most closely associated with the payment of federal estate taxes. In fact, it is accurate to say that such policies were created for that specific purpose. This is an industry, however, that is hard to … Continue reading

The 9 lives of second-to-die

By Louis S. Shuntich, J.D., LL.M for LifeHealthPro.com. Louis S. Shuntich, J.D., LL.M., is senior vice president, Advanced Planning, Lincoln Benefit Life Company, Second-to-die life insurance, also called survivorship life, is most closely associated with the payment of federal estate taxes. In fact, it is accurate to say that such policies were created for that … Continue reading

Advanced Sales Materials for Unmarried Partners

People form many different types of committed relationships; many of them do not involve a marriage contract.  Because they aren’t married, they can’t take advantage of the many tax and retirement benefits established for “traditional” married couples. Despite this, unmarried couples still have a number of effective planning tools at their disposal which they can … Continue reading

Life Insurance As A Special Asset Class In A Diversified Portfolio

Estate owners with a portfolio of financial assets are always exposed to the underlying market risk and interest rate risk inherent in owning these types of assets. The bear market of 2007-2009 generally reduced the value of equities by amounts ranging from 30 to 50 percent, depending on the specific equities involved. Some clients bravely … Continue reading

Estate Planning for Unmarried Couples: What Financial Planners Need to Know

In their 2005 book, Money Without Matrimony: The Unmarried Couple’s Guide to Financial Security,1 co-authors Sheryl Garrett, CFP®, and Debra A. Neiman, CFP®, painted a grim picture of what the surviving member of an unmarried couple might face after the death of a partner. “They can become mired in a financial and emotional mess—destitute and … Continue reading