The Insurance Opportunity no one is Talking About The subject of life insurance is always controversial. Everyone needs it, no one wants it, agents oversell it, illustrations are to aggressive and on and on. To add more fuel to the fire, just try discussing life insurance as an “investment” opportunity. Domestic variable life policies are laden with layers of costs that often make them underperformers while indexed policies may show promise, they also have indexing formulas t

by Randy A. Fox & Dan Rice Introduction A constant theme in dealing with high net worth clients is the desire to fully eliminate estate taxes at the death of the last survivor. While this has become somewhat easier because of the higher exemption amount, it is still a challenge for those with “taxable” estates. This is especially true when clients insist on controlling as much of their wealth as possible while they’re still living. One strategy that is often discussed and con