In an ILIT, the grantor or creator of the trust cannot change the terms or beneficiaries of the trust, just like any irrevocable trust. However, grantors may place one or more life insurance policies ...

Understand what a term plan is, how it works, and how it differs from other life insurance plans for smart financial protection.

As the year winds down, it’s the perfect time to make some smart moves before the calendar flips to 2026. Think of it as a financial tune-up that could help with saving money and setting you up for ...

The insurance industry is on the verge of a monumental shift, driven by the integration of blockchain technology and smart contracts. Bob Brzyski For life and health insurance agents and agency owners ...

When making careful financial considerations, timing plays a key role. This is especially true for insurance protections, whose benefits are heavily dependent on when a policy is purchased. If you buy ...

Your 20s are more significant than you might think. It is the decade where your decisions quietly shape the rest of your life ...

Forbes contributors publish independent expert analyses and insights. I am the President of Diversified, a CFP and author. Without the right protection in place, even the most well-crafted retirement ...