Author: Jeff Adler

COVID 19 and Life Insurance Underwriting-Dr. Joseph Belth

No. 409: COVID-19 and Life Insurance Underwriting Posted: 10 Feb 2021 10:00 PM PST The Consumer Federation of America (CFA) recently announced it had written to the National Association of Insurance Commissioners (NAIC) about COVID-19 and the underwriting of life insurance. The CFA sent copies of the letter to chief executives of several large life […]

Facts Long Term Care

Almost 70% of people turning age 65 will need long term care services and supports at some point in their lives.(Source:, October 2017) > About 67% of nursing home residents and 70% of assisted living residents are women.(Source: Long-Term Care Providers and Services Users in the United States, February 2016, National Center for Health […]

Giving Away-Making Gifts

What Is a Charitable Gift?A charitable gift is a donation of cash or other property to, or for the interest of, a charitable organization. The gift is freely given with the primary intention of benefiting the charity.Whether given during lifetime or after death, charitable gifts are eligible for a tax deduction, but only if made to […]

Tax Law Advantages

No. 408: A Recent Change in the Federal Income Tax Law Designed to Benefit Wealthy Life Insurance Policyholders Posted: 01 Feb 2021 10:00 PM PST On January 10, 2021, The Wall Street Journal posted online an article by reporter Leslie Scism entitled “A Small Tax Change Is a Boon for Permanent Life Insurance.” The next […]


Choices…The fact of the matter is that you’re the only one who can decide what to do with your earning power and, by extension, with your life. The two are inextricably linked. Decisions on what you want to do with your earning power come from answering questions such as:Where do I want to live? Do […]

Defined Benefit Plans

Qualified Retirement Planning-Defined Benefit Plans   Now is the time to consider whether or not a qualified plan makes sense for you and your organization. There are several types of qualified plans and today we will focus on the defined benefit plan.   Defined Benefit Plans are appropriate for: High income professionals structured as self-employed, […]