With 45-years experience, credentials, articles, speaking engagements and accomplishments Richard is sought out and respected by estate planning, life insurance and litigation professionals for assistance in all matters pertaining to life insurance. Making sure that current policies are priced properly, performing well, and are with viable insurance companies.
Do you wish that you could hire an objective expert in life insurance, estate planning, income taxes and finance to act as a consultant on a fee only basis?.
Do you wish that you could hire an objective expert in life insurance, estate planning, income taxes and finance to act as a consultant on a fee only basis?.
Services
Do you wish that you could hire an objective expert in life insurance, estate planning, income taxes and finance to act as a consultant on a fee only basis?
Sometimes you are dealing with a complicated life insurance transaction such as premium financing or a split-dollar arrangement.
You are looking for an expert to evaluate the efficacy and utility of the transaction.
There are few people that can do that.
If you are considering a sophisticated strategy using life insurance would you like someone expert in the area to serve as a guide and resource?
Sometimes you are dealing with a complicated life insurance transaction such as premium financing or a split-dollar arrangement.
You are looking for an expert to evaluate the efficacy and utility of the transaction.
There are few people that can do that.
If you are considering a sophisticated strategy using life insurance would you like someone expert in the area to serve as a guide and resource?
The value of life insurance policies is important anytime there is a change in ownership.
Some changes in ownership can trigger unfavorable income tax consequences such as having the proceeds includable in the estate or having the proceeds subject to income tax.
However, depending on the company and the policy, you may get a number having no basis in reality; several numbers with the caveat that your professional should choose the appropriate one; or some companies won't give you anything at all.
Some changes in ownership can trigger unfavorable income tax consequences such as having the proceeds includable in the estate or having the proceeds subject to income tax.
However, depending on the company and the policy, you may get a number having no basis in reality; several numbers with the caveat that your professional should choose the appropriate one; or some companies won't give you anything at all.
The expert in a litigation involving life insurance is crucial.
Litigators for the most part don't know and understand transactions involving life insurance and don't know what to look for in the documents produced in discovery.
An expert with the knowledge, experience and credentials can make the case.
There are very few who have those qualities and can also testify.
The results are the proof.
In completed cases I have been successful for my clients 100% of the time.
By successful I mean that a settlement was reached when none or a very modest one had been offered or the case was heard and the verdict was for my client.
Litigators for the most part don't know and understand transactions involving life insurance and don't know what to look for in the documents produced in discovery.
An expert with the knowledge, experience and credentials can make the case.
There are very few who have those qualities and can also testify.
The results are the proof.
In completed cases I have been successful for my clients 100% of the time.
By successful I mean that a settlement was reached when none or a very modest one had been offered or the case was heard and the verdict was for my client.
People buy life insurance for what it does, not what it's called.
The first step in determining if life insurance is appropriate is to think about your inevitable demise.
What if you die tomorrow?
What if you don't die for many many years?
Those are the very broad questions.
The answers are not short or simple.
You need someone who will listen to you and your philosophy to help you accomplish your goals.
This is true estate planning.
If you would like to receive any of the following articles, please select below and submit.
The first step in determining if life insurance is appropriate is to think about your inevitable demise.
What if you die tomorrow?
What if you don't die for many many years?
Those are the very broad questions.
The answers are not short or simple.
You need someone who will listen to you and your philosophy to help you accomplish your goals.
This is true estate planning.
If you would like to receive any of the following articles, please select below and submit.
RICHARD L. HARRIS specializes in life insurance sales and consulting for high-net-worth individuals and their advisors.
For over four decades, he has been a trusted expert for accountants, attorneys and trust officers.
He holds the professional designations of Chartered Life Underwriter and Accredited Estate Planner.
Known for timely insights and innovative ideas in designing and implementing life insurance solutions, he is often consulted on fixing or improving problematic insurance programs.
Richard has written extensively on sophisticated life insurance strategies, estate planning and insurance law for, among others, Trusts & Estates, Estate Planning, AALU Washington Report, Steve Leimberg's Newsletters, Journal of Practical Estate Planning, and Wealth Strategies Journal.
For over four decades, he has been a trusted expert for accountants, attorneys and trust officers.
He holds the professional designations of Chartered Life Underwriter and Accredited Estate Planner.
Known for timely insights and innovative ideas in designing and implementing life insurance solutions, he is often consulted on fixing or improving problematic insurance programs.
Richard has written extensively on sophisticated life insurance strategies, estate planning and insurance law for, among others, Trusts & Estates, Estate Planning, AALU Washington Report, Steve Leimberg's Newsletters, Journal of Practical Estate Planning, and Wealth Strategies Journal.
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