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 [...]

The TOLI Handbook – Chapter 15: Understanding Life Expectancy Reports

By |2018-09-11T18:20:41+00:00August 15th, 2018|Categories: BLOG, Life Insurance Investments, News, Policy Management, The TOLI Handbook, Uncategorized|Tags: |

In our last blog, we wrote about remediation and the challenges that TOLI trustees have when managing a policy.  Remediation is not just developing the best options for an under performing policy, increasingly it means maximizing the value of a policy that a grantor believes is no longer needed, or one whose expected funding has stopped. [...]

The TOLI Handbook – Chapter 16: Remediation, the Weak Link for Trustees

By |2018-08-08T10:00:30+00:00August 8th, 2018|Categories: General Interest, Policy Management, The TOLI Handbook, TOLI Administration|Tags: |

A TOLI trustee we work with received a request from a grantor tired of gifting to pay premium on his portfolio of whole life policies. His agent suggested that the three policies be replaced with one policy with a reduced death benefit. The existing portfolio totaled $5.7 million of coverage.  The agent proposed transferring the $2.1 [...]

TOLI Trustee Work Load and Liability Climbing as Use of ILITs Diminish

By |2018-08-01T10:00:23+00:00August 1st, 2018|Categories: Life Insurance Investments, News, Policy Management, The TOLI Handbook|Tags: |

As the federal estate tax laws changed in the last year, the use of new irrevocable life insurance trusts (ILITs) diminished, but the work required to administer existing ILITs went up along with the potential liability attached to the asset class.  There are several reasons for this. As a country, we are aging and the population [...]

The TOLI Handbook – Chapter 10: Understanding Equity Index Universal Life

By |2018-07-17T06:55:15+00:00July 17th, 2018|Categories: Equity Index Universal Life, General Interest, Policy Management, The TOLI Handbook|

Equity index universal life (EIUL) is the hottest product in the permanent life insurance marketplace. The “star of the life insurance show” according to one published report (1) that is touted as providing the upside of the equities market without the risk of loss. The carriers accomplish this by crediting the EIUL policy with the positive [...]

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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.