Synergy Thinking

Join Stephanie Alper-Lisi and Kevin Fisher from One America as they discuss Alternative Long Term Care Options in the Marketplace. On today’s show, Kevin tells us about One America’s niche trade and how it compares to other products in the market. We talk about the current landscape of alternative long term care options, different leverage options for advisors, recommendations to advisors for clients who self-fund, how taxes are paid out, and why brokerage accounts are the first place people turn to when clients have qualified and non-qualified money. Please contact Synergy Life Brokerage at, www.SBKG.com so we can connect you with Kevin Fisher and The One America network.

Show Notes:

00:00 Welcome to Synergy Thinking

00:38 Who is One America and what is the hybrid long-term care space?

04:13 What is One America’s niche trade and how does it compare to other products in the market?

08:27 Is there any leverage for underwriting an 80 or 81-year-old with long-term care?

11:13 What do you recommend to an advisor who has a client who wants to self-fund yet wants to off alternative long term care options

16:17 How are taxes paid out in alternative long-term care?

19:20 Why is it that brokerage accounts are the first place people turn to for qualified and non-qualified money?

20:48 How to connect with Kevin and One America

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Join Stephanie Alper-Lisi and Robert Stuchiner as they discuss the challenges of premium financing and potential alternatives? On today’s show, we talk about the current landscape in the premium finance market, the scope of interest rates over the next 10-15 years, how to guarantee cash value when building a policy long term, and if advisors should continue to take advantage of the low-interest-rate environment today. Please contact Synergy Life Brokerage at, www.SBKG.com so we can elaborate on some of these complex strategies.

Show Notes:

00:00 Welcome to Synergy Thinking

00:36 What does the current premium finance market look like?

03:20 What's going to happen to interest rates over the next 10 to 15 years?

07:15 Can you guarantee to have cash value built-in that policy long term?

08:55 Should advisors be trying to take advantage of the low-interest-rate environment today?

09:48 Commercial financing vs premium financing? Can I do both?

13:25 How to connect with Synergy Life Brokerage

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Join Stephanie Alper-Lisi and Robert Stuchiner as they take on the new section 7702 tax policy. On today’s show, we talk with Robert, what is section 7702 and what has the implementation of the code looked like? From what happened by reducing the guaranteed interest rate down to 2%, how is having the ability to put more money into life insurance a bad thing, which products Robert is looking for in the marketplace, and how FINRA licensing, dovetails beautifully with variable life insurance policies. Please contact Synergy Life Brokerage at, www.SBKG.com so we can elaborate on some of these complex strategies.

Show Notes:

00:00 Welcome to Synergy Thinking

00:49 What is 7702 and what has the implementation of the code looked like?

05:35 What happened by reducing the guaranteed interest rate down to 2%?

07:51 How is having the ability to put more money into life insurance a bad thing?

10:33 Which products Robert is looking for in the marketplace

12:02 How FINRA licensing, dovetails beautifully with variable life insurance policies.

13:25 How to conenct with Synergy Life Brokerage

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Join Stephanie Alper-Lisi and Robert Stuchiner as they take on The Platinum Era of Estate Planning Pt. 2. On today’s show, we talk with Robert about what has changed in estate planning since we last spoke. From how the race for the white house and the stimulus can raise or decline estate tax, to how brokers can zero out their clients' exposure to estate tax. Please contact Synergy Life Brokerage at, www.SBKG.com so we can elaborate on some of these complex strategies.

Show Notes:

00:00 Welcome to Synergy Thinking

00:42 What’s changed in estate planning since we’ve last spoken and how may the election affect the rise or decline?

03:12 How might the government stimulus affect the 23 million dollar tax exclusion?

06:06 How can you zero out exposure to a clients estate tax

10:04 How intergenerational split dollar can help your children avoid large 

13:08 How the 75/20 rate of the internal revenue code makes this the platinum era for estate planning

14:19 Why the 75/20 rate can help you make a tax deductible donation and clear estate tax, pretax

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Join Stephanie Alper-Lisi and Robert Stuchiner as they explore 3 Mega Trends in the life insurance industry today!. On today’s show, we talk with Robert about how the pandemic has forced the life insurance industry to pivot. From the volatility of the stock market affecting life insurance markets, how the bond market plays a role in this and is there a reason to be optimistic, how the adoption of major technologies have positively impacted the life insurance industry and how the pandemic has affected underwriting. Learn more about how the pandemic has affected life insurance by contacting Synergy Life Brokerage at, www.SBKG.com.

Show Notes:

00:00 Welcome to Synergy Thinking

00:39 What are the three major trends affecting life insurance markets during the time of Covid

01:23 Why is the volatility of the stock market affecting life insurance markets

03:26 How does the bond market play a role in this and is there a reason to be optimistic?

05:03 Why is the adoption of major technologies the second major trend? Is this positive or negative?

08:03 How has the ability to work from home only enhanced life insurance businesses

11:55 How is the pandemic affected underwriting?

13:53 What are the two requirements for life insurance policy without fluids?

15:52 How will the cost of premiums and term policies be impacted?

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Join Stephanie Alper-Lisi, and Robert Stuchiner as they explore the platinum era of estate planning. On today’s show, we talk with Robert about why this is the platinum era of estate planning, why might estate tax laws disappear, how a blue wave in November would guarantee no “clawback”, and why you and your attorney should be talking about spousal lifetime access trusts. Learn more about how to connect with Synergy Life Brokerage, and what types of opportunities come from the Secure Act at www.SBKG.com.

Show Notes:

00:00 Who is Synergy Life Brokerage

00:41 Why is this the platinum era of estate planning?

02:57 Why might estate tax laws disappear?

06:11 If Democrats win the house or presidency could there be a clawback?

06:31 Why you and your attorney should be talking about spousal lifetime access trusts

07:41 Ways advisors can connect with Synergy Life Brokerage for additional information

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Join Stephanie Alper-Lisi, Yosi Amster and Joseph Horner (GraciePoint) as they explore Premium Financing. On today’s show, we talk with Yosi and Joseph about access Premium Financing, which age demographic is choosing to access Premium Financing, how is a Premium Finance policy structured, how to split the finance between multiple products, and and how to incorporate, “high level view” into an existing policy. Learn more about GraciePoint and Premium Financing at www.SBKG.com.

Show Notes:

00:00 What is Synergy Thinking

00:47 Who is Joe Horner

01:10 Who is Yosi Amster

02:18 What is Premium Financing and how do I get access to it?

04:29 Which age demographic is choosing to access Premium Financing?

06:23 How is a Premium Finance policy structured?

07:41 Are you able to split the finance between multiple products?

09:04 What is, “high level view” and how can it be incorporated into an existing policy?

11:44 How does an advisor access Premium Financing and work with GraciePoint?

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Join Stephanie Alper-Lisi and Robert Stuchiner as they explore The Secure Act and what types of opportunities come from the act?. On today’s show, we talk with Robert about The Secure Act, what case studies were covered at The Heckerling Conference, how to convert your IRA into something that's more tax friendly, and how to purchase life insurance with an IRA. Learn more about how to connect with Synergy Life Brokerage, and what types of opportunities come from the Secure Act at www.SBKG.com.

Show Notes:

00:00 Who is Synergy Life Brokerage

00:37 What is The Secure Act

03:45 What is The Heckerling Conference

04:17 How do you convert your IRA into something that's more tax friendly?

06:09 How to purchase life insurance with an IRA

06:44 Ways advisors can connect with Synergy Life Brokerage for additional information

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Join Stephanie Alper-Lisi and Robert Stuchiner as they explore Life Insurance in a Low Interest Rate Environment. On today’s show, we talk with Robert about why we are in the platinum era of estate planning, why might estate tax laws disappear, how might the upcoming elections effect this platinum era of estate planning, and how advisors should handle a policy change? Learn more about how to connect with Synergy Life Brokerage, and life insurance in a low interest rate environment at www.SBKG.com.

Show Notes:

00:00 Who is Synergy Life Brokerage

00:37 Why are we in the platinum era of estate planning

02:51 Why might estate tax laws disappear?

05:01 How might the upcoming elections effect this platinum era of estate planning?

06:59 How should advisors handle a policy change?

07:38 Ways advisors can connect with Synergy Life Brokerage for additional information

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Join Stephanie Alper-Lisi and Robert Stuchiner as they take a deep dive into SLATS and what they are. On today’s show, we talk with Robert about what SLATS stand for, does one need to buy life insurance to put into a SLAT plan, do you need a special access lifetime trust with SLATS, who becomes the beneficiary and how brokers can contact Synergy in order to better understand SLATS. Learn more about how to connect with Synergy Life Brokerage, and how you can discuss this with your clients today at www.SBKG.com.

Show Notes:

00:00 Who is Synergy Life Brokerage

00:55 What is a SLAT and what does it stand for

02:28 Does one need to buy life insurance to put into a SLAT plan?

03:18 Do you need a special access lifetime trust? Who is the beneficiary in that situation?

04:37 How can Synergy help brokers work with SLAT concepts?

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