life insurance policies

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  Protecting Life Insurance Beneficiaries From a Windfall

  By William H. Byrnes, Esq., Robert Bloink, Esq., LL.M.  |  March 5, 2013

  Do your clients want to control how their beneficiaries get death benefits? A new trend in product offerings may be of service.

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  Selected Provisions of the American Taxpayer Relief Act of 2012

  By Tax Facts Online  |  March 4, 2013

  The experts of Tax Facts have produced this comprehensive analysis of selected provisions of the American Taxpayer Relief Act of 2012 (the Act) to provide the most up-to-date information to our subscribers. This supplement analyzes important changes to the tax code with emphasis on how these developments impact Tax Facts’ major areas of focus: Employee Benefits, Insurance, and Investments.

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  The Life Insurance College Savings Bank

  By Robert Bloink, Esq., LL.M., William H. Byrnes, Esq.  |  February 27, 2013

  Your clients may not be aware of the possibility of using life insurance as a college savings tool.

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  Fiscal Cliff Law: Clients’ Taxes, What’s Next, and How to Plan

  By William H. Byrnes, Esq., Robert Bloink, Esq., LL.M.  |  January 4, 2013

  All you need to know about the American Taxpayer Relief Act—both good and bad—and how it will affect your clients and their planning.

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  Warning on VAs to Advisors: Be Afraid. Be Very Afraid.

  By Gil Weinreich, AdvisorOne  |  December 10, 2012

  Glenn Daily, insurance expert and variable annuity dissenter, says the complexity of these products’ guaranteed benefits is beyond most advisors’ ability to assess.

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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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  In Insurance We Trust—Too Much?

  By Marlene Y. Satter, AdvisorOne  |  November 20, 2012

  Trusts often rely on insurance policies for a variety of purposes, and if trustees do not actively manage those policies, it could cause trouble for both trust and trustee.

• EEI: ‘Congress & President Must Act Now To Extend Current Dividend Tax Rates’

  September 25, 2012

  Today our nation is facing a series of tax hikes and mandatory spending cuts that threaten to send the economy over a ‘fiscal cliff’ at the end of the year.

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  IRS Untangles One Transfer-for-Value Rule Trap

  By William H. Byrnes, Esq., Robert Bloink, Esq., LL.M.  |  September 19, 2012

  Preferential tax treatment and the flexibility to restructure allocations in estate planning simply don't mix well when it comes to investing in life insurance. A recent IRS private letter ruling could help change that.

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  Permanent Life Insurance: A Smarter Investment Product?

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

  For those clients who have grown weary of the fluctuating market for stocks and bonds, the steady returns offered by so-called “permanent” life insurance policies may be the solution.