Greatest Time to Get Great Underwriting Most people in our industry know that the end of the year, companies are more apt to make offers that they wouldn’t offer any other time. IN THE PAST MANY CONDITIONS WERE IMMEDIATE DECLINES This Includes people who have had: but not limited to […]
Yearly Archives: 2018
10 posts
There is an opportunity for your company to pay for a Supplemental Retirement plan which may be leveraged between different tax brackets, either between your company and yourself and/or your company and a key employee. We designed a solution for business members which allows for a transfer of capital from […]
There is an opportunity for your company to pay for Reduced Cost Life Insurance which may be leveraged between different tax brackets, either between your company and yourself and/or your company and a key employee. At Himmelstein Financial, we design a solution for business members which allows for a transfer […]
There is an opportunity for your company to pay for a Long-Term Care policy which may be leveraged between different tax brackets, either between your company and yourself and/or your company and a key employee. The Himmelstein Financial, in cooperation with Lincoln Financial, designed a solution for business members which […]
Tax leveraging the new tax law Under the new tax structure, businesses may elect to be taxed at a lower rate than individuals that own them. Many owners and their key people may be personally taxed as much as 37% federally. Even this new rate can be a misnomer because […]
These are exciting times because for the first time in years there are tax breaks that a professional can get that they didn’t have available before. The unintended consequences of the recent tax act gave opportunity to the professional person that fits in the category if they wanted to be […]
Financial Underwriting: When one is writing those larger cases and even some smaller ones the advisor agent can’t assume just because the client wants it that the insurance company will accept the client for what they apply for. Just like a mortgage the company wants to know if the client […]
Some Underwriting Secrets There are certain companies to go for certain conditions. We know companies that favor people with Heart Disease, diabetes, cancer,etc. We have one company that has given us a standard issue on cases like Parkinson’s, Juvenile Diabetes, Stent patients, Minor cardiac Issues, Former Hep C, and even […]