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What You Need to Know When a Life Insurance Company’s Financial Strength Declines
A prudent annual review of life insurance policies includes not only an in-depth analysis of an individual contract’s projected performance but also of the insurer of the contract. Tiers of regulatory protecti......
Trustee Refresher on Remediating Life Insurance Funding Issues
Inadequately funded policies—that is, policies lapsing before maturity or maturing with a significantly reduced death benefit—can compose a significant portion of a trustee’s life insurance portfolio. Clie......
Variable Life Insurance: A Pain in the Asset Allocation for Trustees
When purchasing a life insurance policy, the potential to achieve a higher rate of return than a fixed-rate product has made variable life insurance an increasingly attractive option for consumers over the last t......
A Trustee’s Guide: How to Manage TOLI When Your Clients Suspend Premium Payments
More than 40% of the trust-owned life insurance policies RIC reviews each year are identified as being inadequately funded—either lapsing prior to maturity or maturing with a significantly reduced death benefit......
Should You Replace a Life Insurance Policy in an ILIT – What Trustees Need to Know
The life insurance industry continues to innovate, offering a wide spectrum of life insurance policies to consumers. Some life insurance companies may trend away from selling certain traditional......
Impact of Form 1065, Schedule K-1 on Closely Held Entity
As we visit with fiduciary industry professionals, we often hear that a partner’s Schedule K-1 (from Tax Form 1065) is relied upon as the source of value for a closely held business interest held within a trus......
