to deteriorate — a major concern when
dealing with older clients.
Part of the plan
With the concerns about planning for
estate taxes eliminated for nearly all
Americans with the passage of ATRA
2012, those with more modest estates can
now focus on making transfers as simple
as possible. Capital transfer presents an
opportunity to help clients leave a greater
legacy for their loved ones, with certainty
their goals are being accomplished and
with the peace of mind in knowing they
can access the funds in the future if they
need them. It is part of the ideal estate
plan — certainty, peace of mind and enhancing the legacy.
Hugh Smart, J.D., CLU, ChFC,
AVP, is director of Advanced
Markets with Columbus Life
Insurance Company in Cincinnati.
He has more than 20 years of
experience supporting financial professionals
with the application of advanced planning
techniques for their clients.
Columbus Life Insurance Company,
Cincinnati, OH, and its representatives,
does not give legal or tax advice. Federal
and state laws and regulations are complex
and are subject to change. Changes in
such laws and regulations may have a
material impact on pre-and/or after-tax
investment results. You should consult
counsel or other specialized advisor for
more complete information.
1. Loans and withdrawals reduce the policy’s
cash value and death benefit. Under current
federal tax rules, you generally may take
income tax-free partial withdrawals under
a life insurance policy that is not a Modified
Endowment Contract (MEC), up to your basis
in the contract. Additional withdrawals are
includible in income
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