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inflation effect whole life dividends

While many people purchase life insurance for the death benefit protection that it provides, there are numerous other reasons to include this financial vehicle in your portfolio. One of these is the tax-deferred savings that certain types of life insurance policies can offer. In some cases, for instance, growth of the cash value in a […] Read more

When deciding between a will or trust in Idaho or making other estate planning decisions in this state, it is important to understand the key differences between these two primary different estate planning tools and the general rules regarding estate documents. Statutory Authority Wills:  Idaho Uniform Probate Code, Tit. 15, Chs. 2 – 3 (Id. […] Read more

When deciding between a will or trust in Hawaii or making other estate planning decisions in this state, it is important to understand the key differences between these two primary different estate planning tools and the general rules regarding estate documents. Statutory Authority Wills: Hawaii Uniform Probate Code (Haw. Rev. Stat., Ch. 560), Art. II […] Read more

life insurance and decentralized finance

Decentralized finance (DeFi) is a fast emerging ecosystem which allows financial products of all kinds, from coins to digital art (NFTs), to be made available on a decentralized blockchain network.  The programmable applications and protocols being created on the blockchain such as ethereum, solana and cardano, allow financial transactions to be executed automatically on the […] Read more

When deciding between a will or trust in Georgia or making other estate planning decisions in this state, it is important to understand the key differences between these two primary different estate planning tools and the general rules regarding estate documents. Statutory Authority. Georgia Code, Title 53 (Wills, Trusts, and Administration of Estates). Wills:  Chapter […] Read more

If you do a simple search like “Bitcoin and Life Insurance” a flurry of articles with numerous concerns pop up.  Topics of interest concern things like, whether life insurers are poised to begin accepting bitcoin OR the involvement of major life insurers in either purchasing large amounts of bitcoin or increasing involvement in the fast […] Read more

Connecticut Will and Trusts Requirements

When deciding between a will or trust in Connecticut or making other estate planning decisions in this state, it is important to understand the key differences between these two primary different estate planning tools and the general rules regarding estate documents. Statutory Authority. Wills:  Conn. Statutes, Chapter 802a (Conn. Gen. Stat §§45a-250, et. seq.). Trusts:  […] Read more

When deciding between a will or trust in Colorado or making other estate planning decisions in Colorado, it is important to understand the key differences between these two primary different estate planning tools and the general rules regarding estate documents. Colorado Statutes Pertaining to Wills and Trusts. Wills:  Colo. Rev. Stat., Title 15, Arts. 11 […] Read more

Life Insurance Financial Underwriting

You may be surprised to find out that all the best life insurance companies require financial underwriting of prospective applicants when applying for coverage typically around $100,001 or more. That’s because when most people think about life insurance underwriting, the first factors to come to mind are usually age, gender, and medical history. For typical […] Read more

corporate owned life insurance

There are many pros and cons of corporate owned life insurance. In the following article we will cover the various benefits of COLI, as well as discuss how these policies are structured to get the best results. Pros and Cons of Corporate Owned Life Insurance One of the fundamental legal requirements for life insurance is […] Read more