RESOURCE LIBRARY
Guidance you can keep, reference, and share.
Proprietary guides, planning frameworks, and reference materials from the Heirmark team. Built for clients, families, and the advisors who work alongside them.
All
Estate Tax Liquidity
Tax-Free Income
Income Replacement
Charitable Giving
Multi-Generational Planning
Estate Equalization
Increasing ROI
Business Succession
Key Person Coverage
Executive Fringe Benefits
Connelly Decision
Premium Financing
Split Dollar
Life Insurance Trusts
Gift Tax Exemption
Life Settlements
Policy Loan Rescue
Repurposing a Policy
Paid Up Policy
Term Conversion
Policy Surrender
Client Guide
Estate Planning Workbook
A comprehensive workbook to help families and their advisors conduct a review of their life insurance portfolio.
Solution Snapshot
Adapting a Portfolio
Move to life insurance products that are more suitable for the needs of the company and its owners for buy/sell and keyperson coverage.
Client Guide
Is Policy Surrender the Right Path?
Life circumstances and financial priorities change. Here are some reasons why a policyowner might consider surrendering a life insurance policy.
Solution Snapshot
Increasing Leverage
Implement variable universal life coverage with a single premium to potentially increase death benefit leverage
Solution Snapshot
Restricted Executive Bonus Arrangement
Implement retirement planning life insurance for Executive Level II Managers
Solution Snapshot
Premium Financing
Replace life insurance coverage with a new policy designed to have premiums paid through a premium financing structure, where a lender covers the premium payments and the Irrevocable Life Insurance Trust (ILIT) pays the annual interest on the loan
White Paper
Endorsement Split Dollar
Using business owned life insurance to benefit key employees
Client Guide
Buy/Sell Planning Client Guide
Considerations to contemplate when creating a business succession plan.
Solution Snapshot
Estate Plan Audit
Death benefit recipient changed to the children for all the policies, so policy was exchanged to a survivor life policy with no future premiums and a loan payoff of approximately $700K on existing policies to end the ongoing interest payments.
Client Guide
Estate Planning Workbook
A comprehensive workbook to help families and their advisors conduct a review of their life insurance portfolio.
Solution Snapshot
Adapting a Portfolio
Move to life insurance products that are more suitable for the needs of the company and its owners for buy/sell and keyperson coverage.
Client Guide
Is Policy Surrender the Right Path?
Life circumstances and financial priorities change. Here are some reasons why a policyowner might consider surrendering a life insurance policy.
Client Guide
Estate Planning Workbook
A comprehensive workbook to help families and their advisors conduct a review of their life insurance portfolio.
Solution Snapshot
Adapting a Portfolio
Move to life insurance products that are more suitable for the needs of the company and its owners for buy/sell and keyperson coverage.
Client Guide
Is Policy Surrender the Right Path?
Life circumstances and financial priorities change. Here are some reasons why a policyowner might consider surrendering a life insurance policy.
Solution Snapshot
Increasing Leverage
Implement variable universal life coverage with a single premium to potentially increase death benefit leverage
Solution Snapshot
Restricted Executive Bonus Arrangement
Implement retirement planning life insurance for Executive Level II Managers
Solution Snapshot
Premium Financing
Replace life insurance coverage with a new policy designed to have premiums paid through a premium financing structure, where a lender covers the premium payments and the Irrevocable Life Insurance Trust (ILIT) pays the annual interest on the loan
White Paper
Endorsement Split Dollar
Using business owned life insurance to benefit key employees
Client Guide
Buy/Sell Planning Client Guide
Considerations to contemplate when creating a business succession plan.
Solution Snapshot
Estate Plan Audit
Death benefit recipient changed to the children for all the policies, so policy was exchanged to a survivor life policy with no future premiums and a loan payoff of approximately $700K on existing policies to end the ongoing interest payments.
Solution Snapshot
Advisor Team Synergy
Replace survivor life policies with coverage that does not require premiums so the family can utilize their exemption to gift other, more highly appreciable assets.