life insurance contract

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  10 life insurance tax facts you need to know

  By Tax Facts Online  |  March 25, 2013

  Your (and your clients') top 10 tax questions, answered.

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  Tax FAQ: What tax rules govern dividends received before the annuity starting date?

  By Tax Facts Online  |  March 11, 2013

  In most cases, these types of dividends are taxable to the extent that the cash value of the contract immediately before the payment exceeds the investment in the contract.

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  Tax FAQ: How are annuity payments taxed?

  By Tax Facts Online  |  March 9, 2013

  The basic rule for taxing annuity payments is designed to return the purchaser’s investment in equal tax-free amounts over the payment period, and to tax the balance of each payment as earnings.

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  The life insurance fiscal cliff: The end of a tax-preferred product class?

  By Robert Bloink, William H. Byrnes  |  December 3, 2012

  As fiscal cliff negotiations get under way, it's clear that life insurance tax benefits are not safe.

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  The nine lives of second-to-die

  By Louis S. Shuntich, J.D., LL.M.  |  December 2, 2012

  Second-to-die policies can help with estate taxes, but that’s far from all.

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  The 9 lives of second-to-die

  By Louis S. Shuntich, J.D., LL.M.  |  November 16, 2012

  Second-to-die policies can help with estate taxes, but that’s far from all.

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  6 questions to ask before selling that variable product

  By Charles D. Osmond  |  November 2, 2012

  A careful matching of client objectives and risk tolerance may result in a variable product that is suitable for your client.

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  How to determine when variable life and annuity products make sense for a client

  By Charles D. Osmond  |  November 1, 2012

  A careful matching of client objectives and risk tolerance, along with an understanding of how the product works, may result in a variable product that is suitable and sound for your client.

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  Chicken Little’s bookie

  By Louis S. Shuntich, J.D., LL.M., Jeffry Buttars  |  November 1, 2012

  Life insurance underwriters must apply guidelines to determine suitable coverage for clients. Here’s how producers can help them get it right.

• The financial tool that keeps on giving

  By Philip E. Harriman  |  August 1, 2012

  “If life insurance is understood, it is a life-enhancing solution for most clients.”