Estate Planning Archives - Creative Edge

Strong Strategies for Estates and Wealth Transfer

Join the discussion as The Lafayette Life Insurance Company takes a look at estate strategies, wealth-transfer techniques, and the ways in which life insurance may play a role. Estate Strategies 101 July 21 at 11:30 a.m. CDT Presented by Michael J. Buckner, CLU, ChFC, CPC, QPA, QKA Register >> All of a client’s assets in… Read More


What is a Living Benefit?

May 20 2016

by Creative Life Sales Team

Living Benefits: Changing Real Lives Robert Sanchez: $733,062.00 Isabella Martinez: $120,552.74 Rachael Roberts: $51,860.10 Bonnie Thomas: $234,364.24 What is a Living Benefit? In insurance terms, Living Benefits are Accelerated Benefit Riders (ABRs)1, which provide the option of receiving a partial or fill accelerated life insurance benefit if the insured experiences a qualifying medical condition. What… Read More


Unlike Prince, are your clients prepared?

Recent news releases regarding the untimely passing of music icon Prince indicate a storm brewing regarding value of his estate and “who gets what.” First in line for a large share of the inheritance are the Internal Revenue Service (IRS) and the State of Minnesota (where Prince resided in Paisley Park) to cover any estate… Read More


The Four Ls of Life Insurance

A new survey released by Bankrate.com and conducted by Princeton Survey Research Associates International documented 4 in 10 Americans with children under age 18 don’t have life insurance leaving families vulnerable in the event of an unexpected death. Many of those surveyed that do have insurance admit to being vastly underinsured. Life insurance has been… Read More


Above and Beyond Tax-Advantaged Retirement Options

You’re meeting with an affluent client or prospect that is 10 years or less away from retirement. He’s in good shape financially, but he’s also in great shape physically, and wants to maintain his lifestyle for a lengthy retirement. However, he’s already maxed out his tax-advantaged retirement options and doesn’t want any more exposure to… Read More


Gain death benefit protection and financial safety net

Smart Money. Having flexible money available when you need it is important. Permanent life insurance is often overlooked as a solution to grow assets and provide clients access to death benefits for living needs. The versatility of permanent solutions can provide: 1. Death benefit protection – which is generally income tax-free proceeds could help a family continue,… Read More


Life insurance policy review can generate leads

Potential clients often lurk in plain sight. You don’t need to cold call, host a seminar or ask for referrals to find them. You already know them; you just need to look beyond your current relationship and think about that individual’s potential life insurance needs. Think about someone you know fairly well who isn’t a current… Read More


Old McDonald Had a Farm — and Some Outdated Life Policies

How to approach a family farming operation and ensure their current life insurance policies best suits their family’s growing needs. Here’s how one producer enlisted the expertise of his CreativeOne Life Sales Team to boost his client’s life insurance benefits and enhance his revenue.   A CreativeOne Case Study The agricultural community is fertile ground… Read More


Concierge Underwriting and the $60 Million Life Case–Part II

This is Part II of an article (Read Part I here) that details an actual life insurance case submitted and placed through CreativeOne. Names and other identifying factors have been changed or omitted to protect the privacy of the parties involved.  Concierge Underwriting to the Rescue Pete’s case presented other challenges beyond its size, namely… Read More


Concierge Underwriting and the $60 Million Life Case–Part I

The following article details an actual life insurance case submitted and placed through CreativeOne. Names and other identifying factors have been changed or omitted to protect the privacy of the parties involved. As the chaos of one of the nation’s busiest airports buzzed around him, “Pete” relaxed in the terminal on a May afternoon waiting… Read More