Updates on Permanent Life Insurance & Case Studies

Description

This course will provide financial advisors with a comprehensive overview of advanced insurance planning strategies for UHNW individuals and families. Key topics will include insurance portfolio reviews, policy audits, and acquisition processes, with an emphasis on stress-testing coverage, evaluating ownership structures, and optimizing carrier selection. Advisors will explore specialized planning areas such as business succession, executive benefits, annuity reviews, charitable gifting strategies, and long-term care planning. The course will also cover life settlements, private placement life insurance (PPLI), and cross-border estate planning for global citizens. Through real-world case studies, attendees will learn how to identify inefficiencies in existing insurance portfolios, leverage 1035 exchanges, and design tailored solutions that align with client goals. By the end of the course, advisors will gain actionable skills to integrate insurance planning into holistic wealth strategies and provide more effective guidance to clients and their professional teams.

Learning Objectives

Differentiate between term, whole life, variable, universal, and variable universal life (VUL) policies and select the most appropriate type of coverage to match a client's specific circumstances. Perform an insurance needs analysis for a client, including disability, life, health, long-term care, property and liability. Define and communicate key insurance policy terms, coverage, conditions and exclusions.