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Integrate Critical Illness With Your Disability Income Case Design

The Problem With LTC Riders In The Third Person

The Life Insurance Triple Play

John Hancock Raising Minimum Term Insurance Face Amount to 750k, Effective 01-28-2021

Making The Case For Private LTC Insurance


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The Problem With LTC Riders In The Third Person


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 26 Jan 2021   Posted by Tom Virkler

Climatologists can argue all day about which hurricane was the worst.  The fact of the matter is the “baddest” is the one that destroyed your home, the number of millibars notwithstanding.  And back in the old days they all were the baddest because you didn’t have any warning. Nowadays, sophisticated...

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Charity Begins At Home, Not At The Carrier


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 19 Jan 2021   Posted by Tom Virkler

Director Francis Ford Coppola leaves us with a cold and calculating Michael Corleone looking out the windows of his lake house over the water that would prove to be the River Styx for his brother.  What is to be a day of relaxation and fishing for Fredo will end in the fulfillment of Michael’s directive...

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Incompetency Planning


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 12 Jan 2021   Posted by Tom Virkler

When the fat lady sings... As they say, “It’s not over until then.” There is a comedian who likes to inform his audience that it is his goal to live forever.  Looking out into the crowd he adds, “So far, so good!”  But the fact is that death is the one contingency everyone can be pretty...

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Buy-Sell Planning While Generation Straddling


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 05 Jan 2021   Posted by Tom Virkler

Two of the top ten reasons that younger women say that they marry older men are, first, they have a better read on those with a more promising future, even if it is shorter; and second, if they sprain their ankle they can use their husband’s cane. Pretty funny, but not unlike a couple of the underlying...

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Properly Documenting Your Clients Intentions


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 29 Dec 2020   Posted by Tom Virkler

In the most important episode of his life Paul Revere did not fire a shot.  But his willingness to spread the alarm averted what could have been an early military disaster for the revolutionists of Massachusetts Bay. Planners, too, in addition to fulfillment of their usual responsibilities must fill...

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“If It Isn’t Written Down, It Didn’t Happen” – Wills, Powers-of-Attorney & Health Proxies


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 22 Dec 2020   Posted by Tom Virkler

Any fan of the novelist Tom Clancy is probably familiar with these words uttered by the wife of his chief protagonist, Jack Ryan.  Ryan is constantly needling Dr. Caroline “Cathy” Ryan about her compulsive habit of making notes about everything as a method for reminder and also a simple record of events. She...

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Getting Sales Returns From Tax Returns


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 15 Dec 2020   Posted by Tom Virkler

Way back in time I had the good fortune to work in a firm whose in-house CPA happened to be the author of the joke column for a well-known accountant publication. He well understood the contradiction between the nature of his editorial role and the droll reputation his profession has concerning things...

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Win The Lottery – Deduct More!


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 08 Dec 2020   Posted by Tom Virkler

My Mother didn’t tolerate gambling in any form. I couldn’t even play marbles for keeps. If someone solicited her for a lottery ticket, she simply donated the money to the cause.  Her conviction still resonates in my life choices. Her influence was strongly tested when I found myself in the Florida...

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Life Exemption Pitfalls


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 01 Dec 2020   Posted by Tom Virkler

In July 1941 the Chicago White Sox rolled into Fenway Park to face the rival Red Sox and their hitting phenom known as The Kid, Ted Williams, the 23-year-old who had batted .327 and .344 in his first two years in the Bigs.  Foremost in the mind of Chicago manager Jimmy Dykes was how to contain the “Splendid...

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Estate & Gift Tax Exemptions – Will The Barn Door Close?


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 24 Nov 2020   Posted by Tom Virkler

The results of the 2020 election may determine the focus of your marketing among your wealthy (and possibly less wealthy) clientele.  Among the tax proposals that have been put forth in the Biden/Harris plan is a change in the federal gift and estate tax that could greatly expand the number of folks...

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