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Art of the Deal

Greatest Time to Get Great Underwriting Most people in our industry know that the end of the year, companies are more apt to make offers that they wouldn’t offer any other time. IN THE PAST MANY CONDITIONS WERE IMMEDIATE DECLINES This Includes people who have had: but not limited to the following Cancer                     Asthma                       Mental […]

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Smokers get Non-Smoker Rates

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Underwriting Miracles

Underwriting Miracles Underwriting has changed dramatically.  We had a case where a client who was 58 years young and diagnosed with prostate cancer less than 1 year ago.  The client was told he had stage 1 cancer and would need treatment to stop the spread of the disease.  The client received treatment in last year and came to our office […]

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Proactive Planning

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Tax Leveraged Supplemental Retirement Income

There is an opportunity for your company to pay for a Supplemental Retirement plan which may be leveraged between different tax brackets, either between your company and yourself and/or your company and a key employee.  We designed a solution for business members which allows for a transfer of capital from the corporation with limited tax […]

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Tax Leveraged Reduced Cost Life Insurance

There is an opportunity for your company to pay for Reduced Cost Life Insurance which may be leveraged between different tax brackets, either between your company and yourself and/or your company and a key employee.  At Himmelstein Financial, we design a solution for business members which allows for a transfer of capital from the corporation […]

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Tax Leveraged Long-term Care Plan

There is an opportunity for your company to pay for a Long-Term Care policy which may be leveraged between different tax brackets, either between your company and yourself and/or your company and a key employee.  The Himmelstein Financial, in cooperation with Lincoln Financial, designed a solution for business members which allows for a transfer of […]

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Tax leveraging the new tax law

Tax leveraging the new tax law Under the new tax structure, businesses may elect to be taxed at a lower rate than individuals that own them. Many owners and their key people may be personally taxed as much as 37% federally.  Even this new rate can be a misnomer because at certain levels of income […]

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Professional Tax Relief Act of 2018 Reap the Rewards

These are exciting times because for the first time in years there are tax breaks that a professional can get that they didn’t have available before.  The unintended consequences of the recent tax act gave opportunity to the professional person that fits in the category if they wanted to be incorporated like a regular corporation.  […]

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Financial Underwriting

Financial Underwriting: When one is writing those larger cases and even some smaller ones the advisor agent can’t assume just because the client wants it that the insurance company will accept the client for what they apply for.  Just like a mortgage the company wants to know if the client can afford it and if […]

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