Modified Endowment Contracts: The Essential 2026 Guide to Policy Classification
A Modified Endowment Contract (MEC) is a life insurance policy that has failed the IRS seven-pay test, meaning premiums paid […]
Corporate-Owned Life Insurance (COLI): Essential Guide for 2026
Corporate-owned life insurance (COLI) is a life insurance policy purchased by a business on the life of an employee or
The Complete Guide to Life Insurance Contestability Periods in 2026
A life insurance contestability period is a defined window — typically two years from the policy issue date — during
Complete Guide to Life Insurance in a Family Limited Partnership 2026
A Family Limited Partnership (FLP) can own and structure life insurance policies to facilitate generational wealth transfer, streamline premium gifting,
Life Insurance Settlement Options: A Complete 2026 Guide for Beneficiaries
Life insurance settlement options determine how and when beneficiaries receive a death benefit after a policyholder passes. In 2026, families
5 Essential Life Insurance Strategies for Vacation Property Owners in 2026
Owning vacation properties across multiple states creates unique estate and legal challenges that life insurance can help address. Death benefits
The Complete Guide to Life Insurance Contestability Periods in 2026
A life insurance contestability period is a standard provision — typically lasting two years from the policy’s issue date —
The Essential 2026 Guide: Why HNW Families Need an Attorney, CPA, and Insurance Specialist
High-net-worth families often work with a coordinated team — an estate planning attorney, a CPA, and a licensed insurance specialist
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How Recent Estate Planning Developments Affect Your Life Insurance and Wealth Protection Strategy
How Recent Estate Planning Developments Affect Your Life Insurance and Wealth Protection Strategy Recent estate planning developments affect life insurance
Whole Life Insurance: The Complete Guide to Permanent Coverage in 2026
What Is Whole Life Insurance? Whole life insurance is a type of permanent life insurance that provides coverage for your