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You Can Do That?

Posted by: Jeff Reed on 4/24/2012 | 0 Comments

You can do that?...

Sure, we do it all the time. So what is the "it" in question? 1035 exchange a policy with a loan balance. While it is commonplace for us, it was news to the producer I was speaking with, and it is an area that can trip you up in a very, very big way. How big? How about creating a taxable event for your client despite a 1035 exchange being executed? Did I mention that there are no actual dollars in your client's pocket as a result and they still may have to pay some tax? Do I have your attention? I think I should.

Categories: Life/LTC

Kestler Connection 4-24-12

Posted by: Kestler Financial Group on 4/24/2012 | 0 Comments

•  NEW!! Aviva iPad App! 

•  Aviva Webcasts This Week

•  Aviva Updates:

» BALIR® approved in DE, IL and MN!  

» BAA at a Glance


•  American Equity Memos:

» New Annuity Offering in DC, SD, ND & AR

 » Reminder of Replacement Guidelines

 
•  Pass It On! - These are great articles to share with clients or fellow colleagues

•  Weekly Economic Updates

   View the full email here.

Categories: Kestler Connection

An Ounce of Prevention

Posted by: Jeff Reed on 4/17/2012 | 0 Comments

In the last few weeks I have had at least two proposed insureds decline to provide any financial information on their life application.  Their rationale?  "Well, it's none of the carrier's business what my net worth is or how much money I make."  

Really?
Categories: Life/LTC

Kestler Connection 4-17-12

Posted by: Kestler Financial Group on 4/17/2012 | 0 Comments
Inside this Issue:

 

  • Annexus Spring Webinar Series: IRA Inc TOMORROW! 
  • Aviva Webcasts
  • Aviva Updates:

    » Producers in Utah must take continuing education training
    » Wellness for Life® Campaign is underway!

  • American Equity Memos                                                                                                                                                                                         » New Annuity Offering from American Equity in D.C., SD, ND and AR
    » All NMO's & Washington Agents - Bonus 5 will be suspended

  • Pass It On! - These are great articles to share with clients or fellow colleagues -

""Is Aviva USA for Sale?" & "Ways to Put a Refund to Work"

  • Weekly Economic Updates

View the full email here.

Categories: Kestler Connection

There is More to the Estate Tax than the Feds

Posted by: Jeff Reed on 4/10/2012 | 0 Comments

Specifically, 22 states plus the District of Columbia impose transfer taxes of some variety. The type and magnitude of these taxes, as well as the exemptions, are all over the map. At least one expert in this article from Forbes.com considers these transfer taxes an issue for states looking to compete with one another...

Categories: Life/LTC
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