by Ed Hinerman | Jan 20, 2012 | beneficiary, contingent beneficiary, death benefit, insurance, life insurance
Where do I want the life insurance death benefit to go if I die prematurely? That’s an easy answer for most of us. We want it to go to our spouse. We want him or her to have the money to carry on in the event we are no longer around to provide income and, of...
by Ed Hinerman | Jan 28, 2011 | estate taxes, insurance, life insurance, second to die insurance
So when all of the estate tax and gifting laws shook out and got signed, two things really stood out. There were some very generous changes and, unless extended, they will only last two years. This could make for the largest two years transfer of wealth in history...
by Ed Hinerman | Mar 1, 2010 | beneficiary, insurance, life insurance
After some discussion with a client today I thought it was worth expanding the conversation. He had submitted an application for life insurance showing his wife and his two daughters, ages 1 and 3, as equal primary beneficiaries of a $1,000,000 policy. His logic was...
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