Insights

It’s one of the simplest forms in planning, and yet one of the most overlooked.
A life insurance beneficiary designation might seem like a straightforward detail. A name, a relationship, a signature. Done.
But that signature can carry more legal weight than your will. More practical consequence than your trust. And when it’s wrong, or missing, the ripple effects can be devastating.

But permanent life insurance can also serve another purpose – creating a source of accessible cash during your lifetime. For those with long-term planning goals, this built-in flexibility can offer significant advantages, particularly when it’s structured and managed with care.

When most people think about life insurance, they think about what it provides after they’re gone. And for good reason. Life insurance plays a critical role in protecting loved ones, funding estate strategies, or providing continuity in a business.

But permanent life insurance can also serve another purpose – creating a source of accessible cash during your lifetime. For those with long-term planning goals, this built-in flexibility can offer significant advantages, particularly when it’s structured and managed with care.

When it comes to legacy planning, few topics are more emotionally charged than who gets what. That’s where estate equalization comes in.

Life insurance underwriting isn’t exactly cocktail party conversation. Most people don’t give it a second thought until they’re deep in the application process, when questions start piling up, forms start flying, and the process can feel a bit like being on trial.
And even when we do think about our financial future, how often does that discussion include life insurance policies that were previously purchased and are in effect?  

As the new year begins, it’s natural to think about resolutions. Many of us set goals for health, relationships, and careers, but how often do we prioritize our financial health?

And even when we do think about our financial future, how often does that discussion include life insurance policies that were previously purchased and are in effect?  

As the new year begins, it’s natural to think about resolutions. Many of us set goals for health, relationships, and careers, but how often do we prioritize our financial health?

And even when we do think about our financial future, how often does that discussion include life insurance policies that were previously purchased and are in effect?  

As the new year begins, it’s natural to think about resolutions. Many of us set goals for health, relationships, and careers, but how often do we prioritize our financial health?

And even when we do think about our financial future, how often does that discussion include life insurance policies that were previously purchased and are in effect?  

Did you know that 70% of Americans aged 65 or older will require some form of long-term care during their lifetime?

This statistic highlights the widespread need for care, whether it’s in-home assistance, an assisted living facility, or a nursing home. Yet many families are caught unprepared, both emotionally and financially, when the need arises.

The details matter. Let’s put a spotlight on the importance of carefully thinking through primary and contingent beneficiary designations on individual and group life insurance coverage. Our desire is to help our clients avoid future problems.