insurance plan designs

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  Tracking the Tax Effect

  By Staff Writer  |  July 1, 2012

  Many business owners want to use cash flow from their company to pay life insurance premiums. Here’s a look at the income tax and FICA considerations they should take into account first.

• The Right Buy-Sell Agreement for Your Client

  By Russell E. Towers, J.D., CLU, ChFC  |  April 1, 2012

  Your client needs a life insurance-funded buy-sell agreement — but what kind? Here’s a guide to four different options.

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  Beat the estate tax blow: with deferred annuities and an irrevocable trust

  By Staff Writer  |  January 1, 2012

  The hinge around which estate planning revolves is gifting. The future growth in value of the asset from the date of gift to the date of death will be removed from the estate for estate tax purposes.

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  Beat the Estate Tax Blow with Deferred Annuities and an Irrevocable Trust

  By Staff Writer  |  December 22, 2011

  Is life insurance not an option for your client when it comes to legacy planning? Try an annuity instead.