Insights

To Better Your Wealth

Business partners finalizing their partnership buy-sell agreement with life insurance.

How to Use Life Insurance for Partnership Buy-Sell

Advisor reviews a custom life insurance retirement plan quote with a client.

How to Get a Custom Life Insurance Retirement Plan Quote

Professionals review charts to find a financial advisor for charitable trust planning.

How to Find the Right Charitable Trust Planning Advisor

Scales of justice weighing the decision to put life insurance in a revocable trust.

Should Life Insurance Be in a Revocable Trust? Pros & Cons

A piggy bank with a graduation cap for a children's life insurance college savings plan.

The Truth About Children's Life Insurance for College Savings

Business team reviewing life insurance documents for a section 162 bonus plan.

What Is Section 162 Bonus Plan Life Insurance?

A brass scale with a golden egg, weighing the value of whole life insurance as a retirement plan.

The Truth About Whole Life Insurance as a Retirement Plan

A family under a tree of coins, showing the protection and growth of a whole life insurance policy.

What Is Whole Life Insurance? A Simple Definition

Three people discussing which life insurance settlement option guarantees payments for life.

Which Settlement Option Offers Lifetime Payments?

Family, wealth, and home assets protected by using life insurance to pay estate taxes.

Smart Ways to Use Life Insurance to Pay Estate Taxes

A secure vault of gold coins, protected by a life insurance policy's spendthrift provision.

Spendthrift Provision Life Insurance Explained

Financial advisor explains a life insurance retirement strategy.

Why a Financial Advisor for Life Insurance Retirement Strategy?

Stacks of coins, financial documents, and a graph showing the tax benefit on insurance premiums.

The Tax Benefit on Insurance Premium, Explained Simply

A couple meets with an advisor to review the beneficiary for their voluntary spouse life insurance.

Who Is the Voluntary Spouse Life Insurance Beneficiary?

Business team reviewing charts to find the best whole life insurance companies for business owners.

7 Best Whole Life Insurance Companies for Business Owners

A father considers buying a life insurance policy for his son to build a financial foundation.

Should I Buy a Life Insurance Policy for My Son?

An hourglass in a city office representing the benefits of annuities in estate planning.

5 Key Benefits of Annuities in Estate Planning

Inheritance tax planning documents and a house model on an advisor's desk.

How to Vet an Inheritance Tax Planning Advisor

A person choosing a beneficiary who receives life insurance benefits.

Who Receives Life Insurance Benefits? A Step-by-Step Guide

A financial advisor explains the accelerated death benefit provision in a life insurance policy.

What Is an Accelerated Death Benefit Provision?

A family, stacked coins, and a shield comparing the financial protection of life insurance vs. an IRA.

Is Life Insurance an IRA? Which Is Right for You?

Hourglass on a desk for the decision of when to buy whole life insurance.

When Should You Buy Whole Life Insurance? A Guide

Scales of justice and a house model weighing the whole life insurance benefits and drawbacks.

The Real Whole Life Insurance Benefits and Drawbacks

Tablet, coins, and calculator on a desk showing what the cost basis is in life insurance.

What Is Cost Basis in Life Insurance? A Clear Guide

A financial advisor explains living benefits life insurance to a client.

What Is Living Benefits Life Insurance? A Guide

A wallet and jar of cash for the ways to cash out a whole life insurance policy.

Can You Cash Out Whole Life Insurance? 4 Ways

Couple and advisor discussing how to use whole life insurance for retirement income.

How to Use Whole Life Insurance in Retirement for Income

A scale with coins and an hourglass weighs the cost of term vs whole life insurance.

Term vs Whole Life Insurance: What's the Real Cost?

Professionals planning how to reduce taxes in retirement for high income earners.

How to Reduce Taxes in Retirement for High Income Earners

A plan for how to reduce inheritance tax, with a protected model house and coins.

How to Reduce Inheritance Tax for Your Family

A person finalizes a life insurance policy for a planned giving charitable gift.

Life Insurance Planned Giving: Maximize Your Impact

An infinite banking financial advisor for business reviews a plan with a client.

Choosing an Infinite Banking Financial Advisor for Business

Strategically planning how to take a loan from a whole life policy at an office desk.

How to Take a Loan From Your Whole Life Policy Strategically

Scales and a calculator weighing the tax implications of corporate owned life insurance.

Corporate Owned Life Insurance Tax Implications Explained

A small business team in a meeting about key man insurance, viewed through a keyhole.

What Is Key Man Insurance? A Small Business Guide

Business partners planning the beneficiary for their buy-sell agreement.

Who Is the Beneficiary of a Buy-Sell Agreement?

A briefcase and stacked coins on a desk for a business using whole life insurance for capital.

How to Use Whole Life Insurance for Business Capital

Business partners shaking hands after signing a life insurance buy-sell agreement.

What Is a Life Insurance Buy-Sell Agreement?

A modern desk for planning philanthropy using permanent life insurance.

A Guide to Using Permanent Life Insurance for Philanthropy

A model house and coins on a desk, used to invest in real estate with life insurance cash value.

Using Cash Value for Real Estate: A Smart Guide

A small safe holding the cash value of a whole life insurance policy used for cash flow.

How to Use Whole Life Insurance for Cash Flow

Two partners shake hands, securing their buy-sell agreement with term or permanent life insurance.

Term vs. Permanent Life for Your Buy-Sell Agreement

Businessmen signing a split-dollar life insurance agreement.

What Is Split-Dollar Life Insurance? A Guide

A business partner receives the proceeds from a buy-sell agreement.

How Buy-Sell Proceeds Are Received: A Tax Guide

A tablet with a financial chart used to analyze premium financing rates on an office desk.

Premium Financing Rates: What Will You Actually Pay?

A desk with documents for a survivorship universal life (SUL) insurance policy for estate planning.

What Is Survivorship Universal Life Insurance (SUL)?

A real estate investor reviews life insurance quotes on a laptop in a modern office.

How to Compare Life Insurance for Real Estate Investor Quotes

Two business partners calculating the cost of life insurance for their partnership.

Life Insurance for Business Partners Cost Explained

Reviewing the tax deductible status of a key person life insurance policy in California.

Is Key Person Life Insurance Tax Deductible in California?

A shield and piggy bank on a desk comparing high cash value life insurance vs 401k.

High Cash Value Life Insurance vs 401k: A Strategic Guide

Balance scale with coins and a safe weighing the pros and cons of overfunded whole life insurance.

Overfunded Whole Life Pros and Cons: A Clear Guide

A key person insurance policy on a desk, considered a business expense for tax planning.

Key Person Insurance Business Expense: Tax Rules to Know

Scales of justice weighing coins to represent the pros and cons of premium financing life insurance.

Premium Financing Life Insurance: Pros and Cons Explained

Life insurance as a shield protecting a family's estate from the probate courthouse and taxes.

Life Insurance to Estate: Bypass Probate & Taxes

Scales of justice on a corporate desk, balancing the ethics of corporate-owned life insurance.

Is Corporate-Owned Life Insurance Ethical? A Practical Guide

Scales of justice weighing coins to compare a life insurance loan vs. a 401k loan.

Life Insurance Loan vs 401k Loan: Which Is Smarter?

A man choosing between key man insurance vs corporate-owned life insurance.

Key Man Insurance vs. COLI: A Business Owner's Guide

Key employee life insurance with a key and briefcase securing a business succession planning handshake.

The Role of Key Employee Insurance in Succession Plans

Wedding rings and a model house explain how survivorship life insurance works in estate planning.

How Survivorship Life Insurance Works in Estate Planning

A person using a laptop to find the cost of key person life insurance with a calculator.

How to Use a Key Person Life Insurance Cost Calculator

A survivorship life insurance policy outlining when the insurer pays the death benefit.

When Is a Survivorship Policy Death Benefit Paid Out?

A business owner at a modern desk researching infinite banking for their company.

What Is Infinite Banking for Business Owners?

Business partners shaking hands, securing a business succession plan with infinite banking.

Using Infinite Banking for a Smooth Business Succession

A desk with a calculator, charts, and coins for calculating insurance premium financing rates.

Insurance Premium Financing Rates Calculator: A Simple Guide

Business partners shaking hands to secure an LLC buy-sell agreement funded with life insurance.

Using Life Insurance to Fund an LLC Buy-Sell Agreement

How high early cash value life insurance works, with its growth protected under a glass dome on a desk.

How Does High Early Cash Value Life Insurance Work?

A safe with gold coins under a glass dome, a strategy for a business owner to protect their income.

How to Protect Income as a Business Owner

Business partners shaking hands to finalize a business succession plan funded by life insurance.

How to Use Life Insurance for Business Succession

A business owner plans how to use infinite banking to access capital for their company.

How Business Owners Use Infinite Banking: A Smart Guide

A modern office with a large bank vault, showing how to use overfunded life insurance as a personal bank.

How to Use Overfunded Life Insurance as a Bank

A secure shield icon over documents about how to donate life insurance to charity.

How to Donate Life Insurance to Charity: 3 Smart Ways

Desk with a laptop and house model for planning how to pass wealth to children tax-free.

9 Ways to Pass Wealth to Children Tax-Free

Signing documents for a wealth transfer plan to pass money to the next generation.

How to Pass Your Money to the Next Generation

Courthouse model, shield, and pen on a clipboard for a guide to how premium financing for life insurance works.

How Does Premium Financing for Life Insurance Work?

A couple gets a survivorship life insurance quote from a financial advisor.

How to Get a Survivorship Life Insurance Quote

The infinite banking concept visualized with a jar of coins and an infinity symbol on a desk.

What Is Infinite Banking & How Does It Really Work?

Gold coins in water showing the liquid cash value of a high-early-cash-value dividend-paying whole life insurance policy.

How High-Early-Cash-Value Dividend-Paying Whole Life Insurance Works

Scales of justice weighing the pros and cons of corporate-owned life insurance for a company.

Corporate-Owned Life Insurance Pros and Cons Explained

Financial advisor for corporate life insurance presenting a strategy to business owners.

What a Financial Advisor for Corporate Life Insurance Does

Business partners shaking hands to finalize how life insurance funds a buy-sell agreement.

How Life Insurance Funds a Buy-Sell Agreement

Professionals reviewing documents to get a premium financing life insurance quote in a modern office.

How to Get a Quote for Premium Financing Life Insurance

Business owners reviewing a cross-purchase buy-sell agreement funded with life insurance.

How to Fund a Cross-Purchase Buy-Sell with Life Insurance

Man using a laptop to get a high cash value whole life insurance quote in his office.

How to Get a High Cash Value Whole Life Insurance Quote

Financial advisors discussing charitable life insurance planning services.

A Guide to Charitable Life Insurance Planning Services

Business partners shaking hands over a contract for a first-to-die life insurance policy.

First-to-Die Life Insurance: What It Is & Who Needs It

A man at a desk with paperwork, planning to borrow against his life insurance policy.

How to Borrow Against Life Insurance The Smart Way

Protected coins and a report on the cash surrender value of corporate owned life insurance.

What Is Corporate Owned Life Insurance Cash Surrender Value?

Business professionals discussing a charitable trust life insurance plan.

Amplify Your Giving with Charitable Trust Life Insurance

Gold bars and policy documents on a desk showing the growth of whole life insurance cash value.

A Strategic Guide to Whole Life Insurance Cash Value

A life insurance policy with cash value growing like a plant on a stack of protected coins.

Your Guide to a Life Insurance Policy with Cash Value

A plant growing from stacked coins, representing the cash value in whole life insurance.

How Cash Value in Whole Life Insurance Works

Office setting with a folder on the table for a meeting about how to borrow against life insurance.

How Do You Borrow Against Life Insurance?

Buy-sell agreement template and pen on a modern conference room table.

Free Buy-Sell Agreement Template & Guide

A private foundation reviews the details of owning a life insurance policy.

Can a Private Foundation Own Life Insurance? A Guide

A scale balancing the pros and cons of borrowing against life insurance.

The Pros and Cons of Borrowing Against Life Insurance

Business partners shake hands, finalizing a buy-sell agreement funded by life insurance for tax efficiency.

Buy-Sell Agreement Life Insurance Premiums Are: A Tax Guide

A plant growing from a stack of coins under a glass dome, a visual of cash value in whole life insurance.

How Does Cash Value in Whole Life Insurance Work?

A protected plant growing on coins, similar to the cash value growth in whole life insurance.

How Whole Life Insurance Cash Value Works

A tree growing from a jar of coins, representing the cash value growth in a permanent life insurance policy.

What Is Permanent Life Insurance with Cash Value?

A plant and stacks of coins grow, showing the increasing cash value of whole life insurance.

Whole Life Insurance Cash Value: A Complete Guide