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.

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

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
  
  
  
  

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.