Association of Trust Organizations (ATO) Annual Meeting
ABA Wealth Management and Trust Conference
What You (As An Advisor) Need To Know About Long Term Care Insurance
With Kim Natovitz, CLU, CLTC
Tuesday, April 24th at 2PM Eastern
1 Hour of CFP and CTFA CE
One of your client’s greatest concerns in retirement is running out of money and one of the greatest financial risks your clients will face in retirement is long term care expenses. In this session, a long-term care specialist will outline the strategies you can help your clients employ to ensure that they are protected from the ravages of long term care expenses. This session will teach you the tactics that will allow your clients to re position and re purpose monies to shelter their assets. Long term care will affect many of your clients (and their parents). Take the time to hear an expert explain the methods you can use to help your clients and increase your worth as an advisor and potentially save your clients from financial distress. This is an important session that should not be missed.
FIRST LIFE INSURANCE FOCUSED TRUST COMPANY LAUNCHES
New trust company is an affiliate of ITM TwentyFirst, the preeminent provider of trust owned life insurance services in the US
Permanent Life Insurance Policy Purchase Process
Tuesday, March 20th, 2018 at 2PM ET
With Barry Flagg, CFP, CLU, ChFC, GFS, Veralytic, Inc.
1 hour of CFP and CTFA CE
Your thorough understanding the life insurance purchase can save your clients thousands to hundreds of thousands of dollars in premium costs. The process begins with the selection of policy type based on client risk temperament and includes an underwriting process that can vary widely from carrier to carrier and greatly influence policy pricing. Life insurance sales illustrations are often used as a policy selection tool when, in fact, the illustrations are misleading, at best. Understanding policy costs is a much better differentiator. Permanent policy cash value returns have a great influence on the policy performance of non-guaranteed policies, but rate of return expectations are often overly optimistic leading to future client letdown and premium increases. This session will provide the financial advisor with the tools needed to advise clients on purchasing a financial asset that should last a lifetime.
Life Insurance Policy Valuation
With Jon B. Mendelsohn, Ashar Group
Thursday, February 8th, 2018 at 2PM ET
1 hour of CFP and CTFA CE pending
In today’s estate planning world, the fair market value (FMV) of a life insurance policy becomes an important consideration when a transfer involves an estate or gift matter or when moving a policy to or from an irrevocable life insurance trust (ILIT). Often, advisors simply order a Form 712 Life Insurance Statement from the carrier with no other valuation contemplated. This could be a mistake and cost your client money. This session will feature a policy valuation expert who will explain the best practices around policy valuation providing vital information for a trust or financial advisor.
Session Handbook: Download