by Ed Hinerman | Feb 3, 2011 | estate taxes, insurance, life insurance
No, really!! That was the front page headline on and industry publication I get called Insurancenewsnet Magazine. Without even opening up the magazine I know where the rant is headed. Never in the history of estate planning has there been more opportunity to be as...
by Ed Hinerman | Dec 7, 2010 | estate taxes, insurance, life insurance
As of yesterday it appears that the President and Congress have reached a deal on a wide variety of tax issues. For the purposes of life insurance and estate tax the latest and most important news is the end to the repeal of estate tax and clear guidelines moving...
by Ed Hinerman | Nov 30, 2010 | estate taxes, insurance, life insurance
We would have certainly guessed that Congress would have dealt with the estate tax issue by now but, well, we would have guessed wrong for the second year in a row. There is still a lot of uncertainty about the future of estate tax law and along with that is the very...
by Ed Hinerman | Dec 8, 2009 | estate taxes, insurance, life insurance
For those who were really thinking that the government would allow the estate tax repeal to continue into 2010, the year that estate taxes would simply disappear, it’s time to exhale. The House of Representatives has voted to keep the current estate tax...
by Ed Hinerman | Oct 6, 2009 | estate taxes, insurance, life insurance
As we crash toward the end of the year and one of the wackiest decades in a while, accountants for the high net worth and famous are all armed with the same good advice. 2010 is a good year to die, at least so far. What started in 2001 as one of the best tax code...
by Ed Hinerman | Aug 3, 2009 | estate taxes, insurance, life insurance, second to die insurance
While it certainly isn’t our duty to work our tails off all of our adult lives just so we can leave the legacy of an estate to our heirs, I saw a study a few years ago that indicated that it really was the goal, a desire, of the boomer generation and our...
by Ed Hinerman | Jul 19, 2009 | estate taxes, insurance, life insurance, second to die insurance
If not, give this some thought! Estate taxes come due nine months after the death of the sole surviving spouse or individual whose net worth comprises the estate. While nine months may seem like a long enough time to wrap up an estate and gather the money to pay the...
by Ed Hinerman | Jul 16, 2009 | estate taxes, insurance, life insurance
Since the inception of 2nd to die or survivorship life insurance policies to protect estates from being pillaged by estate taxes, most of the policies were written as traditional universal life or whole life insurance. Cash value policies. When the cashless universal...
by Ed Hinerman | Jun 1, 2009 | estate taxes, guarantee, insurance, life insurance, term insurance, universal life, whole life
90% of life insurance agents cash those commission checks and forget anything they said about service. If this past year has taught us anything, we should have learned that a financial adviser that doesn’t stay on top of changes and doesn’t stay in touch...
by Ed Hinerman | May 14, 2009 | estate taxes, insurance, life insurance, second to die insurance, universal life
Ok, I’m not really holding my breath, but you do realize that with 7 months left to go Congress needs to act or there will be a free estate tax ride in 2010. As the law now stands, the exemption has been rising steadily over the last 9 years from the...
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