Case Studies

Creative Estate Planning

A high net-worth couple has a need for $15,000,000 of life insurance to provide the liquidity needed to pay estate taxes at the second death. They have four children, which limit’s their annual exclusion gifts to $104,000 (tax year 2012). Read more







Insuring Serious Medical Conditions

A 79-year-old widow had done some estate planning prior to her husband passing away. However, there was an inequity between the inheritance her three children were to receive. One child took over the family business prior to her husband’s death. The other two children were to receive the balance of her estate. Due to the low-interest rate environment she has started to invade principal, leaving two of the children with an amount significantly less than the child who took over the family business. Read more

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