A new charitable giving opportunity to discuss with your clients.

Families play the long game. Their ability to weather major volatility without looking for exits makes them sought-after partners.

If clients have the stomach to stick it out, this is an opportunity to take short-term lemons and make them into long-term gifting lemonade. 

The retirement accounts can be leveraged to pursue other goals — like saving for your kid’s schooling — in a tax-advantaged way.

The policy death benefit often doesn’t stay in force automatically; you have to ask for it.