Advanced Planning Consultation

Crump can help you design and explain creative custom solutions for high-net-worth clients, business owners, foreign nationals, and other specialty clients.

From technical assistance with tax and regulatory requirements, addressing competitive challenges, to case design ideas, sales concepts, and educational materials, the Crump Advanced Planning team delivers.

Exploring Client Protection Needs — Together

Business Owner Clients

Consider: The marketplace, tax law, interest rates, and asset valuations are always evolving, and speaking to business owners about planning is more important than ever.

Possible Action: Scheduling time with your Crump Insurance Consultant team will help you help them think more broadly about their business, employees, and family.

Estate and Legacy Planning

Consider: Without a plan, estate taxes threaten to erode a legacy that your clients leave to loved ones.

Possible Action: To reduce estate tax liability, many estate planning strategies involve gifting asset to irrevocable trusts.  Life insurance is frequently included in these plans to leverage the benefits of these gifts.

Wealth Transfer Considerations

Consider: SECURE Act 2.0 requires non-spouse beneficiaries to fully distribute inherited IRA assets within 10 years, potentially forcing larger taxable withdrawals during their peak earning years.

Possible Action: Strategic disbursements from an unneeded IRA to fund life insurance premiums can convert tax-deferred assets into a tax-free death benefit, helping maximize a legacy passed to loved ones.