life insurance contract

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  The Life Insurance Fiscal Cliff: No Tax Preference Is Safe

  By Robert Bloink, Esq., LL.M., William H. Byrnes, Esq.  |  December 6, 2012

  The potential elimination of many tax preferences currently afforded life insurance is one facet of today’s fiscal cliff discussions that is often overlooked. In today’s political environment, no tax preference is safe.

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  Critical Illness Riders: Life Insurance Protection for the Living

  By William H. Byrnes, Esq., Robert Bloink, Esq., LL.M.  |  October 5, 2012

  A new twist on the traditional life insurance policy that protects against expenses incurred because of critical illnesses is attracting clients’ interest once again.

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  Viewing Life Insurance as an Asset Class

  By Ed McCarthy, CFP  |  August 27, 2012

  There are ways to look at coverage that can give advisors and clients further insights into their portfolio allocations and insurance-buying decisions, experts say.

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  Whole Life Policies: Tapping Cash Value as Alternative to Equity Investing

  By William H. Byrnes, Esq., Robert Bloink, Esq., LL.M.  |  July 3, 2012

  Whole life insurance has taken the spotlight as investors seek secure alternatives to rocky equity markets. An advisor’s guidance can be critical in determining whether a whole life policy is a smart investment for any given client.

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  Post-Retirement Health Care: A Quarter-Million-Dollar Dilemma

  By Robert Bloink, Esq., LL.M., William H. Byrnes, Esq.  |  May 25, 2012

  Many of your clients retiring this year are likely to incur about $240,000 per couple in out-of-pocket health care expenses during retirement. How do you advise them to cover these expenses on a fixed income?

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  What Constitutes Notice? IRS Rules on Employer-Owned Life Insurance

  By Richard Niles, J.D., Senior Editor, Tax Facts Online  |  May 21, 2012

  Employer met notice requirement to exclude life insurance proceeds, agency rules.