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Charles L. Ratner

Charles L. Ratner is a commentator on life insurance and estate planning based in Cleveland, Ohio.

Charles’s Recent activity

A Whole New Game
Apr 01, 2004
As with split dollar, the Treasury Department and the Internal Revenue Service have proven they understand what is going on in the life insurance marketplace and when they see something abusive know how to stop it. On...
The Post-Split Dollar World
Dec 01, 2003
How do advisors plan with life insurance in this supposedly post-split dollar world? The answer lies of course in a client's particular goals. But the options are relatively clear: Clients can use a combination of...
Much Ado About Nothing
Jun 01, 2003
On May 8, 2003, the Internal Revenue Service issued proposed regulations (Reg-164754-01) dealing with the valuation and taxation of benefits that a non-owner receives under an endorsement economic benefit regime...
When Life Insurance Is Part of the Package
Jun 01, 2003
Corporations often ask their advisors to review proposals for nonqualified deferred compensation (NQDC) plans funded with life insurance or proposals for life insurance programs for company executives. The smart...