In the high-stakes world of asset protection, life insurance and annuities stand out as rare assets that can provide shelter from creditors, provided they are structured correctly. Unlike brokerage accounts or real estate holdings, which…
Life insurance is unique among financial instruments because it is predicated on a specific relationship between the owner and the insured. Unlike a stock or a bond, which can be bought by anyone, a life…
In the architecture of executive benefits and business continuity, **Corporate-Owned Life Insurance (COLI)** is a ubiquitous tool. It funds Buy-Sell agreements, backs Non-Qualified Deferred Compensation (NQDC) plans, and serves as a key asset on corporate…
For decades, the lifecycle of a life insurance policy had only two potential endpoints: the death of the insured (triggering the death benefit) or the surrender of the policy (triggering the return of Cash Surrender…