Alimonia- (Latin) - nourishment
Americans have always been willing to pay any price for freedom. If you don’t believe it, look at the divorce statistics!
“The only thing a divorce proves is whose mother was right in the first place.”
“Those who are so perturbed over the present divorce rate evidently do not understand the law of supply and demand. There are more lawyers in this country than there are preachers.”
“The unhappiness of a wife with a good husband is much more devastating than the unhappiness of a wife with a bad husband.”
-D.H. Lawrence
“Love at first sight usually ends with divorce at first slight”
“The only good husbands stay bachelors; they’re too considerate to get married.”
-Finley Peter Dunne
“I don’t think I’ll get married again. I’ll just find a woman I don’t like and give her a house.”
-Lewis Grizzard
Saturday, October 17, 2009
Friday, October 16, 2009
Event - Reducing Risk and Increasing Income in Today's Economy
Reducing Risk and Increasing Income in Today’s Economy: Non-Traditional Uses of Life Insurance and Annuities
Thursday, November 5, 2009 – 1 CPE credit
National Business Association
Life Insurance is an asset class. Mr. Zey will examine the uses of life insurance in estate and income distribution planning from liquidity, preservation, hedge, capital transfer (another asset class), how to pay large premiums, and gift tax issues. Mr. Zey will use real life examples and cases. This session will allow you to increase your knowledge and awareness of life insurance and its valuable estate and charitable planning uses.
LINK: http://www.cpalearn.com/catalog.asp?CategoryID=&ItemID=20090803-272095-154548
Thursday, November 5, 2009 – 1 CPE credit
National Business Association
Life Insurance is an asset class. Mr. Zey will examine the uses of life insurance in estate and income distribution planning from liquidity, preservation, hedge, capital transfer (another asset class), how to pay large premiums, and gift tax issues. Mr. Zey will use real life examples and cases. This session will allow you to increase your knowledge and awareness of life insurance and its valuable estate and charitable planning uses.
LINK: http://www.cpalearn.com/catalog.asp?CategoryID=&ItemID=20090803-272095-154548
Life Insurance and Divorce
Couples facing divorce are consumed with difficult issues that lead to major changes in each spouse’s financial circumstances. Zey Insurance Group addresses various financial planning techniques as they relate to life insurance, annuities, trust arrangements, premium financing, life settlements, gift tax, pension plans, and insurable capacity that will benefit both parties during the challenging times in a divorce.
Roles of Life Insurance in Divorce Planning
Roles of Life Insurance in Divorce Planning
- Estate liquidity and/or preservation of Support Payments
- Beneficiary and ownership designations in divorce
- Gift tax and transfer for value issues in title changing
- How much life insurance on support payer?
- Support payments guarantee
- Children Education Funding
- Estate Planning
- Life insurance on non-earning ex-spouse
- Income distribution strategies ( Annuity Straddles (over age 60)
- Annuity Payments to ex-spouseLife insurance –asset class?
Thursday, September 24, 2009
Presentation with the National Business Institute
The Art of Life Insurance: Growing, Preserving and Transferring Wealth
Recorded: September 24, 2009
Program Description
Life insurance is an essential piece of most high net worth client's financial profiles. During this live webcast, Igor Zey explores all aspects of life insurance from the types of policies, carrier information to sophisticated tools. Mr. Zey describes how life insurance planning is applicable in estate planning, income strategies and charitable planning using the actuarial arbitrage technique. Mr. Zey discusses other current life insurance topics such as life insurance in divorce issues, premium financing and life settlements.
Recorded: September 24, 2009
Program Description
Life insurance is an essential piece of most high net worth client's financial profiles. During this live webcast, Igor Zey explores all aspects of life insurance from the types of policies, carrier information to sophisticated tools. Mr. Zey describes how life insurance planning is applicable in estate planning, income strategies and charitable planning using the actuarial arbitrage technique. Mr. Zey discusses other current life insurance topics such as life insurance in divorce issues, premium financing and life settlements.
Course Content
Life Insurance Products
What to Ask the Agent About Products?
Actuarial Arbitrage
The Strategy
Types of Insurance/Annuity Straddles
Estate Planning Strategies
Income Strategy
Charitable Planning and Strategies
Roles of Life Insurance in Divorce Planning
Initial Planning Considerations in Divorce Planning
Premium Financing in Today's Market
Life Settlements in Today's Market
Q&A
Thursday, September 17, 2009
Cobra Insurance
COBRA might not make sense if you….
- are in good health
- find COBRA too expensive
- need coverage beyond COBRA eligibility
- need a cheap short-term plan between jobs
COBRA might make sense when you ...
- are pregnant, or might be soon
- have a pre-existing condition
- are on prescriptions or need care soon
- have been turned down for a private plan
Wednesday, September 16, 2009
Types of Health Insurance
TYPES OF PLANS
Individual Health Insurance – also called private health insurance, this type of coverage is ideal for self-employed and unemployed. There are PPO (Preferred Provider Organization) and HMO (Health Maintenance Organization) options, premium and deductable selections. To help you decide what will work best with your personal situation, please call our agents to discuss your options. Please note that if you have chronic health problems, you may be denied from the insurance company. Some of these conditions are most types of cancer, heart or blood vessel conditions, insulin dependent diabetes, and renal disease.
Family Health Insurance – similar to an individual plan but covers your entire family. The coverage you need will depend on your individualized needs and to determine the best coverage, please contact one of our agents. When adding family members to your plan, the chances of denial and a price increase will generally be greater than individual insurance.
Group Health Insurance Plans - Most Americans receive their health coverage through some type of group health insurance. The advantage here is the power to negotiate with insurance companies for custom health insurance plans and guarantees coverage for ALL employees.
Individual Health Insurance – also called private health insurance, this type of coverage is ideal for self-employed and unemployed. There are PPO (Preferred Provider Organization) and HMO (Health Maintenance Organization) options, premium and deductable selections. To help you decide what will work best with your personal situation, please call our agents to discuss your options. Please note that if you have chronic health problems, you may be denied from the insurance company. Some of these conditions are most types of cancer, heart or blood vessel conditions, insulin dependent diabetes, and renal disease.
Family Health Insurance – similar to an individual plan but covers your entire family. The coverage you need will depend on your individualized needs and to determine the best coverage, please contact one of our agents. When adding family members to your plan, the chances of denial and a price increase will generally be greater than individual insurance.
Group Health Insurance Plans - Most Americans receive their health coverage through some type of group health insurance. The advantage here is the power to negotiate with insurance companies for custom health insurance plans and guarantees coverage for ALL employees.
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