Milt

About Milt Belfer

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So far Milt Belfer has created 7 blog entries.

If You Keep Your Traditional Disability Coverage After Age 65, You May NOT Qualify For Benefits

2022-02-06T11:29:44+00:00

If You Keep Your Traditional Disability Coverage After Age 65, You May NOT Qualify For Benefits LIMITATIONS ASSOCIATED WITH “PAYABLE TO AGE 65 OR 67” TRADITIONALLY DESIGNED INDIVIDUAL DISABILITY INCOME CONTRACTS Traditional disability income contracts provide inferior benefits upon reaching age 65/67. This presents problems for many individuals who are working past age [...]

If You Keep Your Traditional Disability Coverage After Age 65, You May NOT Qualify For Benefits2022-02-06T11:29:44+00:00

Funding Buy Sell Agreements

2022-02-06T11:31:01+00:00

Funding Buy Sell Agreements Most traditional disability buyout contracts begin to remove benefits at age 60 and terminate at age 65 leaving Partners and Shareholders without coverage. The MB Group can design buyout coverage often through age 75 with coverage issued on a guaranteed issue basis (proof of insurability is NOT required) for [...]

Funding Buy Sell Agreements2022-02-06T11:31:01+00:00

Top 10 Life Insurance Myths

2022-02-06T11:31:35+00:00

Top 10 Life Insurance Myths Life insurance is a complicated and sensitive subject. It is not surprising, therefore, that despite the fact that Americans are generally becoming more aware of the importance of owning life insurance as a way to protect loved ones, business associates, and charities, the number of households with individual [...]

Top 10 Life Insurance Myths2022-02-06T11:31:35+00:00

Step Rated Life Insurance

2022-02-06T11:32:03+00:00

Step Rated Life Insurance Many advisors design life insurance policies to require high level premiums to provide guaranteed coverage to age 100+. These high premiums are unnecessary as better, more cost effective plan designs are available. Because Universal Life contracts can provide flexibility without forfeiting guarantees, a new approach to plan design will [...]

Step Rated Life Insurance2022-02-06T11:32:03+00:00

The Valuable Internal Rate of Return (IRR) Generated by Life Insurance

2022-02-06T11:32:57+00:00

The Valuable Internal Rate of Return (IRR) Generated by Life Insurance Survivorship life insurance, insuring two individuals in one contract, is typically designed for family and estate tax planning needs. These contracts provide excellent guaranteed returns for premiums paid. Recently we proposed $10 million of coverage on a male age 60 and female [...]

The Valuable Internal Rate of Return (IRR) Generated by Life Insurance2022-02-06T11:32:57+00:00

Long Term Care

2022-02-06T11:34:01+00:00

Long Term Care If you never need Long Term Care, will a traditional policy still pay benefits? Answer: NO and all of the premium payments you made are lost. “If you don’t use the coverage, you lose your premiums”. Also the premiums you pay can increase during your lifetime. These problems can be [...]

Long Term Care2022-02-06T11:34:01+00:00

Life Expectancy

2022-02-06T11:34:45+00:00

Life Expectancy The average life expectancy for a person who was 65 years old in 2012 is 19.3 years – 20.5 years for women and 17.9 years for men. When designing long term life insurance coverage, many advisors recommend paying higher premiums to provide coverage to age 100+. This increases costs for clients [...]

Life Expectancy2022-02-06T11:34:45+00:00
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