Our Firm

Presentations

• Fortune Strategies’ Insurance Review Program
• Life Insurance is a long term transaction that requires ongoing performance review.  We’ve found that 85% of existing trusts with policies 5 years old or older could obtain a 40% reduction in premium or, conversely, obtain 40% more death benefit for the same premium.  Insurance Review Program interactive PDF

Changes in Client’s Circumstance

• Second Marriages:  Using Insurance to Bridge the Gap between Needs of a Younger Spouse and Children from the First Marriage  April 2008 Case of the Month
• Policy Transfers July 2008 Case of the Month

Changes in Economic Factors

• Gone but Not Forgotten:  Using guaranteed universal life Insurance to recover equity losses intended for heirs.  May 2009 Case of the Month
• Go for the Guarantee:  In comparing the performance of variable life to guaranteed universal life contracts for the purpose of estate planning, we find that variable life policies present an unneccessary risk given real rates of return and varying mortality costs.  April 2009 Case of the Month
• A Legacy Restored:  How a wealthy couple restored their children's legacy after it had been significantly reduced by the recent market turmoil  February 2009 Case of the Month
• Restoring the Promise:  How to Overcome Significant Losses in Your Variable Life Insurance  January 2009 Case of the Month
• Establishing and Using Market Value of Overlooked Assets March 2008 Case of the Month
• Taking Advantage of Low Applicable Federal Rates to Economically Exit a Grandfathered Split Dollar Agreement  June 2008 Case of the Month

Changes in Law

• Tax Treatment for Sale of Cash Value Life Insurance Policies in the Life Settlement Market Before and After 8/25/09  June 2009 Case of the Month

Change in Insurer’s Financial Rating Status

• AIG Ratings Downgrade link to October 2008 Case of the Month

Changes and Developments in the Insurance Industry

• Multi-Purpose Premiums:  Stretching Premiums in Turbulent Times November 2008 Case of the Month
• First to Die Solutions May 2008 Case of the Month
• Finding Product Pricing Anomalies August 2008 Case of the Month
• How to Use “Shadow Account Arbitrage” in Conjunction with Private Non-Equity Split Dollar to Profitably Withdraw all Cash Surrender Value and still have Life Insurance Policy Stay In Force. September 2008 Case of the Month

Cash Accumulation Strategies

• Equity Indexed High Cash Value Life Insurance :  45 Year Old Doctor January 2008 Case of the Month

Personal Planning

• Income Preservation with Downside Protection of Concentrated Stock Position and Minimized Transfer Tax Strategy for 84 year old with a $20 million net worth.  August 2009 Case of the Month
• Estate Tax Minimization strategy using IDIT for a 69 year old man with a $20 million estate February 2008 Case of the Month