How ILITs are Reinventing Legacy Planning Post-OBBBA

In today's post-OBBBA estate‑planning landscape, ILITs are proving more valuable than ever for family harmony, liquidity, and legacy goals. In this article, Caroline Brooks highlights how modern ILITs can help clients preserve heirloom assets, equalize inheritances, and reinforce family values. 

Adaptable Estate Planning in Our One Big Beautiful World

With higher exemption levels under the One Big Beautiful Bill Act, many clients won’t face federal estate tax. But that doesn’t mean they don’t need estate planning. It means they’ll be looking for strategies that preserve access and adaptability.

One option: survivorship standby trusts.
In his recent InsuranceNewsNet article, Crump's Thomas McKay, CLU®, ChFC®, explains how these trusts work, good candidates, and the advantages of plans that incorporate survivorship standby trusts.

Policy Reviews

The Perfect Opportunity for Broader Planning Conversations

Life insurance policy reviews do more than check performance. They often uncover gaps in other critical areas such as annuities, disability insurance (DI), and long-term care (LTC). These reviews are an ideal time to deepen conversations and ensure your clients’ protection strategies keep pace with their lives. By addressing these needs, you reinforce your role as a comprehensive financial professional.