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In a unanimous ruling, the U.S. Supreme Court just made a significant decision that will impact the structuring of buy-sell agreements for closely held companies. These are commonly used by business owners to ensure that, when one owner dies, their interest will be sold to the other owners or to…

Qualified retirement plans, group term life and group disability insurance plans are normally structured to provide the same benefit formula across the board for all covered employees. This results in reverse discrimination against highly paid executives due to benefit and contribution caps. However, there is a way to pay executives…

You work hard to protect your livelihood and family today, while planning for tomorrow. Securing the proper personal, life, health, disability and long-term care insurance solutions allows you to focus on your well-being in the present and financial security for the future. When these programs work together, it provides peace of mind knowing…

In recent years, the life insurance industry has witnessed a significant shift toward accelerated underwriting approaches. Here are the key features, advantages and considerations associated with this innovative approach. Understanding Accelerated Underwriting Accelerated underwriting is a streamlined process that uses advanced technology and data analytics to expedite the life insurance…

As people age, the likelihood of needing assistance with daily activities such as walking, eating and bathing increases. Long-term care insurance is a financial planning tool that provides coverage for these services, offering financial support and ensuring peace of mind during a potentially challenging phase of life. Long-Term Care Strain…

Nearly all (99.9%) of American companies are small businesses, according to a study by the U.S. Chamber of Commerce. Yet many of those small-business owners do not have a plan to exit their companies – even as many of them plan to retire in the next decade. This could lead to…

When a business owner dies, many questions arise and the owner’s death is often followed by some level of panic as those left in charge try to determine the answers. Here are answers to some common questions, as well as options for consideration as you turn the page on the…

You know when you turn on the television or radio and hear the ads for affordable life insurance from different instant-issue life insurance companies? Have you ever looked at the websites of those firms and seen what they offer? Ever wonder if all of it sounds too good to be…

Join Oswald Companies, Cincinnati Insurance Company, and John Hancock on Wednesday, Oct. 5 at 2:00 p.m. ET at Dead Low Brewing Cincinnati, for a complementary continuing education program as we discuss life insurance, wealth management and estate planning. Agenda Registration will begin at 2:00 p.m. 2:15 p.m. – Retirement Income Backstop…

Executive leaders today face unique challenges when it comes to saving for retirement. The amount they can put aside through their employer’s qualified plan is often far from what they need. Furthermore, if participation by rank and file employees in an existing plan is not high enough, or the plan…