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

• 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?