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Hosted By: Jason Mericle
Life Insurance HQ The PodcastEpisodes
Hosted By: Jason Mericle
Life Insurance HQ The Podcast
A weekly Business podcast
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Episodes of Life Insurance HQ The Podcast
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Earning a living to provide for your family is why you work every day. What would happen if you were not around to do all the things you do and make sure they could still afford their home, school costs, and future?Life insurance can help.
Life insurance policy riders are add-ons to a life insurance policy at issue. They can be added to any newly issued policy. What riders are available will vary by carrier, product, and state. Before adding a policy rider to your life insurance
Beginning in 2023, ultra-wealthy individuals and families can protect more assets from federal estate taxes with the increased lifetime exemption and annual gifting limits increasing. Learn more at mericleco.com.
Indexed Universal Life Insurance policies have quickly become popular. There are a number of product designs and features that will ultimately impact policy performance.In this episode, we talk about how different multipliers and policy loans c
Join us as we discuss John Hancock and its recent crediting rate increase, along with the recent acquisition of Ohio National by Constellation Insurance Holdings, Inc.We will talk about how different factors can and will likely impact some poli
A Split-Dollar Life Insurance Plan is a sophisticated strategy that can provide benefits to business owners, key employees, and families interested in minimizing gift tax for estate planning purposes.Click here to learn more about split dollar
When you apply for life insurance you will typically go through an underwriting process. During this process, the carrier is taking into consideration a number of factors to determine your health class. Your health class, age, and gender are wh
Life insurance is not a one size fits all product. There are many uses of life insurance from income replacement and estate planning to business protection. The use of life insurance is specific to your individual circumstances.This podcast rev
When naming a life insurance beneficiary the policy owner should consider several factors ranging from individual circumstances affecting a beneficiary, creditor protection, and any income, estate, or gift tax implications that may arise.Learn
Long-term care is care you may need if you are unable to perform activities of daily living (ADLs). Activities of Daily Living include eating, bathing, dressing, using the bathroom, or getting in and out of bed. The national average monthly cos
No one likes to think about their own death, much less plan for it. But if you have a high net worth, estate planning is something you shouldn't ignore. Without a solid estate plan in place, your loved ones could be faced with a significant tax
There are several types of different life insurance policies. Life insurance policies can be really simple or extremely complex. Much of this is a function of the type of policy and how it performs.A life insurance policy can be broken down int
Families with special needs understand the unique challenges and joys that daily life brings. And they realize that special needs extend beyond the everyday.In this episode, we are going to discuss different planning tools that can be used to d
The purpose of an irrevocable life insurance trust or ILIT is to prevent life insurance death benefits from being subject to estate taxes.Life insurance owned by an irrevocable life insurance trust (ILIT) can be the easiest and most efficient w
Premium financing life insurance is a strategy for high-net-worth families to borrow money to pay for large life insurance premiums. The policy owner (typically an irrevocable trust) borrows money from a third-party lender to make premium payme
A term life insurance conversion allows policy owners to convert their existing term coverage to a permanent policy without underwriting. The health class on the permanent policy will be based on your health class when the original term life i
In this episode we discuss the different types of universal life insurance coverage to include Current Assumption Universal Life, No Lapse Guaranteed UL, Indexed Universal Life Insurance, and Variable Universal Life Insurance.
Recently we have had a number of inquiries regarding overfunding life insurance for purposes of accumulating additional income in future years. Using a permanent life insurance to create supplemental future income can be a great option for the
A buy-sell arrangement is an agreement between owners of a business to provide instructions as to how the business will be transferred upon the death, disability, or retirement of a shareholder. In this episode, we review some of the more commo
A life insurance 1035 Exchange can help existing permanent life insurance policy owners move their existing coverage to a new policy and preserve their cost basis and avoid paying ordinary income taxes on any policy gains.The benefits of a 1035
Your need for life insurance coverage over time will generally decline as income is earned, debt is paid off, and existing assets grow.Because of this the amount of life insurance coverage you need over time will generally decline. Layering dif
Have you ever wondered how much life insurance you need to make sure your family would be financially protected if something were to happen to you?In this episode, we take a look at what variables to consider when determining your need for life
Indexed Universal Life Insurance is quickly becoming a more popular permanent life insurance policy for individuals and families. With that said it can be an extremely confusing product with many different moving parts.In this episode we discus
The 2022 Whole Life Insurance Dividends episode goes over the current 2022 dividend rates for six major life insurance carries, including:GuardianMass MutualNew York LifeNorthwestern MutualOhio NationalPenn MutualWe also review historical divid
In the inaugural episode of Life Insurance HQ the Podcast we talk about upcoming predictions and trends for the life insurance industry in 2022. We discuss what we have seen happening and how they could impact policy owners in the future and wh
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