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So far cwiertzema has created 155 blog entries.

What A TOLI Trustee Can Learn from Existing Court Cases – Part 2

By |2018-09-13T14:52:36+00:00September 12th, 2018|Categories: BLOG|Tags: |

In our last post, we reviewed three court cases that guide TOLI trustees dealing with the liability that managing life insurance brings.  In this post, we will review three more cases that will add to that guidance. French, et al. v. Wachovia Bank N.A. The Wachovia case grew out of a policy replacement that generated a [...]

What A TOLI Trustee Can Learn from Existing Court Cases – Part 1*

By |2018-09-11T18:20:41+00:00September 5th, 2018|Categories: BLOG, Uncategorized|Tags: |

The majority of trust owned life insurance (TOLI) settlements do not come after a court case, they are paid out behind closed doors to avoid publicity.  But the cases that wind their way to court guide the TOLI trustee hoping to avoid liability.  In this two-part series we will review several cases and outline the key [...]

The Top Five Mistakes Trust Owned Life Insurance (TOLI) Trustees Make

By |2018-09-11T18:20:41+00:00August 30th, 2018|Categories: BLOG, Uncategorized|Tags: |

Just over a decade ago, we began managing life insurance policies for TOLI trustees.  In that time, we have grown from a handful of dedicated team members to the largest life insurance policy management firm in the country with 175 employees and hundreds of clients.  It is no wonder the growth has occurred.  Life insurance is [...]

Finally, a Place for Orphan ILITs!

By |2018-09-11T18:20:41+00:00August 22nd, 2018|Categories: BLOG, Life Insurance Investments, News, Policy Management, TOLI Administration, Uncategorized|Tags: |

The last few years have been a tumultuous time in the life insurance trust business.  The prospect base is shrinking after the Tax Cuts and Jobs Act raised the federal estate tax exemption from $5.49M to $11.18M per person.  Today only 1 in 1,000 estates affected by the estate tax (1).  The asset class has become [...]

Lawsuit Filed Against Voya Cost of Insurance (COI) Increase

By |2018-09-11T18:20:41+00:00August 21st, 2018|Categories: BLOG, Cost of Insurance (COI) Increase, Uncategorized|Tags: |

In May of 2016 we reported that the cost of insurance was being raised on a specific block of approximately 18 universal life products originally issued by Aetna Life Insurance and Annuity Company (now Voya Retirement Insurance and Annuity Company.) Lincoln Financial Group was the administrative agent and reinsurer on the policies.   We were unsure of [...]

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This Is A Custom Widget

This Sliding Bar can be switched on or off in theme options, and can take any widget you throw at it or even fill it with your custom HTML Code. Its perfect for grabbing the attention of your viewers. Choose between 1, 2, 3 or 4 columns, set the background color, widget divider color, activate transparency, a top border or fully disable it on desktop and mobile.