Beyond The Bucket Plan®: Leveraging Life Insurance as an Asset Class

Discover the crucial role of life insurance in financial planning, especially for high net worth and ultra-high net worth individuals. In this episode, our guest host, Kirsten Schlumbohm, Vice President, Head of Annuity Sales at C2P, sits down with Stoyan Petev, CFA, CFP®, CLU, ChFc, Senior Vice President of Advanced Markets at C2P, and Walter C. Young III, national speaker and author. While Petev discusses life insurance as an asset class, estate equalization strategies, and premium financing, Young highlights the various living benefits and income sources life insurance can provide. The episode also covers the latest innovations in life insurance products, particularly in underwriting and long-term care benefits. From estate planning strategies for high-net-worth clients to practical living benefits for everyday families — listen in to learn the multifaceted benefits of life insurance beyond the traditional death benefit.

Resources:

• Book: The 5th Option: Why Your Retirement Plan Won’t Work the Way You Think It Will by Walter C. Young III
• Tax Management Concepts: The Tax Trilogy
• Training: The Tax Management Journey®

Statistics:

• Ernst & Young and Morningstar studies show having 25-30% of assets in life insurance at retirement can nearly double the probability of financial success