Tim Fuller

President, SRS Inc.

Tim Fuller is President of SRS Inc., a full-service IMO (Independent Marketing Organization) and BGA (Brokerage General Agency) that has connected independent financial professionals with life, annuity, disability income, and long-term care solutions from 60+ carrier partners for more than 50 years. Tim and the SRS team specialize in impaired-risk underwriting, advanced case design, and helping advisors place the cases other IMOs turn away.

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Life Insurance for Non-Owner Family Members in the Business

September 26, 2026February 2, 2021 by Tim Fuller

Advisor and client reviewing an advanced markets estate planning strategy in a private office

Many family businesses are built with help from a spouse, sibling or adult child who works hard but owns no stock. If the owner dies, those family members may have no claim on the value they helped create. Life insurance offers a simple way to protect them.

Key takeaways

Family members who work in a business without ownership often sacrifice pay and opportunity for its growth.
If the owner dies, successor owners may feel little obligation to those non-owner family members.
Company-paid or bonus-funded life insurance can reward their contribution and protect their future.

Sweat equity without actual equity leaves loyal family members exposed if the owner dies unexpectedly.

The unsung builders of family businesses

Entrepreneurs often build businesses by reinvesting nearly everything in the early years. Family members frequently make the same sacrifice: working long hours, accepting lower pay, and passing on other opportunities so the business can grow.

The difference is ownership. When the owner holds all the equity, a spouse, sibling or child who helped build the company may have nothing to show for it on paper.

What happens if the owner dies

An owner may fully intend to reward family members once the company succeeds. An unexpected death can end that plan. Successor owners, outside buyers, or even other heirs may not share the same sense of obligation, and the non-owner family member may lose both income and job security.

This is especially common in blended families or when one child runs the business while others do not. For succession strategies, see our post on succession planning for family-owned businesses.

Ways life insurance can help

Owner-insured policy with the family member as beneficiary. Provides a defined benefit if the owner dies before rewarding them.
Executive bonus plan. The business pays a bonus used to fund a policy the family member owns, building value they control.
Split-dollar arrangements. The business and the family member share costs and benefits under a formal agreement.

Each option has different tax and control implications, so coordinate with the client’s tax and legal advisors.

Bringing the idea to business owners

Owners who value loyalty respond to this conversation. It is simple, affordable and shows appreciation for the people who helped build the business. Contact us to design a plan and compare carrier options.

Frequently asked questions

Why do non-owner family members in a business need life insurance planning?

They often contribute years of work and sacrifice without ownership. If the owner dies, they may have no legal claim on the value they helped build.

What is the simplest way to protect a non-owner family member?

A policy on the owner’s life naming the family member as beneficiary, or an executive bonus plan that funds a policy the family member owns.

Is a 162 executive bonus plan available for family employees?

Generally yes, as long as the family member is a legitimate employee receiving reasonable compensation. Confirm details with the client’s tax advisor.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-26

Tim Fuller

President, SRS Inc.

Tim leads SRS Inc., a full-service IMO (Independent Marketing Organization) and BGA (Brokerage General Agency), connecting independent financial professionals with life, annuity, disability income, and long-term care solutions from 60+ carrier partners.

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Life Insurance Premium Financing: 3 Risks to Manage

September 26, 2026February 1, 2021 by Tim Fuller

Happy family of four laughing together on the couch, representing life insurance protection

Premium financing lets high-net-worth clients fund large life insurance policies with borrowed money instead of liquid capital. It can be a smart strategy, but only when everyone understands the moving parts. Here are the three main risks and how to manage them.

Key takeaways

Premium financing starts with a real life insurance need, not an arbitrage opportunity.
The three core risks are collateral risk, policy performance risk and interest rate risk.
A plan should be stress-tested and reviewed every year, not set and forgotten.

No premium finance plan should depend on the spread between policy crediting rates and borrowing rates.

Start with the fundamentals

The first question is always whether the client has a genuine life insurance need, such as estate liquidity or business succession. Premium financing is a way to pay for coverage, not a reason to buy it. See our post on estate tax liquidity for common needs among wealthy families.

Collateral risk

Collateral risk is the gap between the outstanding loan balance and the policy’s cash surrender value. The lender will require additional collateral to cover it.

That collateral does not always need to be cash. When structured properly, clients may be able to pledge assets like real estate or other holdings, keeping liquid assets invested. That flexibility is one of the main attractions of financing versus paying premiums outright.

Policy performance risk

Every policy carries performance risk, but with financing it compounds. If the policy underperforms, cash value may not grow enough to release collateral as expected, and the lender may require more collateral. Illustrate conservatively and show clients what happens under lower crediting rates.

Interest rate risk

Most premium finance loans carry variable rates. When rates rise, interest costs rise too. Illustrations should show realistic rate increases so client expectations are grounded.

A sound plan compares the full picture: the cost of paying premiums with cash, the value of flexible interest payments, and the return on capital the client keeps invested. Rate risk can be reduced by negotiating a favorable credit facility and reviewing it every year.

Frequently asked questions

What is life insurance premium financing?

It is a strategy in which a client borrows from a third-party lender to pay life insurance premiums, using the policy and other assets as collateral, so their own capital stays invested.

What are the biggest risks of premium financing?

Collateral risk, policy performance risk and interest rate risk. Each can require the client to post more collateral or pay more interest than expected.

Who is a good candidate for premium financing?

Typically high-net-worth clients with a clear, lasting life insurance need, strong net worth, and assets they would rather keep invested than use for premiums.

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Reviewed by Tim Fuller on 2026-09-26

Tim Fuller

President, SRS Inc.

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Life Insurance With Type 1 Diabetes: What Underwriters Look For

September 25, 2026January 29, 2021 by Tim Fuller

Underwriter reviewing medical and financial data with a client during risk assessment

Type 1 diabetes is usually diagnosed early in life and treated with insulin from the start, which means longer exposure than most Type 2 cases. It’s typically table-rated, but clients with strong control and no complications have real options.

Key takeaways

Type 1 diabetes is almost always rated, but coverage is widely available.
Best-case clients over age 50 with excellent control and no complications may qualify around Table B to Table 2 at some carriers.
Consistent A1C history, no kidney, eye, nerve, or heart complications, and regular specialist follow-up drive the best outcomes.

Over 50, excellent control, no complications: Table B is possible for Type 1 diabetes at some carriers.

What underwriters weigh

Age at diagnosis and duration: earlier diagnosis means longer exposure.
Current age: older applicants who have done well for decades often receive better ratings than younger ones.
A1C history: multiple readings over time showing stable, good control.
Complications: kidney disease (protein in urine), retinopathy, neuropathy, and cardiovascular disease weigh heavily.
Management: regular endocrinologist visits; use of insulin pumps and continuous glucose monitors can show engagement.
Other factors: blood pressure, cholesterol, build, and tobacco.

Realistic outcomes

Clients over 50 with excellent control and no complications may qualify for ratings as favorable as Table B to Table 2 at some carriers. Younger applicants and those with complications should expect higher tables. See the overview in life insurance underwriting for diabetes.

Positioning the case

Submit a complete A1C history, recent labs including kidney function and urine protein, eye exam results, and specialist notes. Carriers differ widely on Type 1, so pre-screen with our Underwriting Team before applying. Some carriers also offer credits that can improve a rating; see Type 2 case with underwriting credits.

Frequently asked questions

Can a Type 1 diabetic get life insurance?

Yes. Most are table-rated, but coverage is widely available, and well-controlled clients without complications can get reasonable offers.

What is the best rating for Type 1 diabetes?

At some carriers, clients over 50 with excellent control and no complications may qualify around Table B to Table 2.

Do insulin pumps affect life insurance?

Not negatively. Pump and CGM use can demonstrate engaged management; underwriters focus on control and complications.

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Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Asking the Tough Questions on a Long-Term Care Application

September 25, 2026January 28, 2021 by Tim Fuller

Adult daughter and her aging mother sharing a warm moment while discussing long-term care planning

Long-term care applications ask personal questions: every medication, every diagnosis, and exactly how much the client weighs. Asking them well is part of getting the best possible offer.

Key takeaways

Explain up front why you’re asking, so clients understand the questions protect their offer.
Complete, honest answers lead to better recommendations and fewer surprises.
Know which common medications signal conditions that are usually uninsurable for LTC.

“You don’t have to be in perfect health for long-term care insurance, but you do need to be in relatively good health. It’s my job to get that picture right.”

Set the stage

Tell clients why you’re asking before you start. For example: “You don’t have to be in perfect health to get long-term care insurance, but you do need to be in relatively good health. It’s my job to gather that information, so I need to ask about your health and any medications.”

Get an accurate health picture

Just as a doctor needs complete information to diagnose, you need it to recommend the right carrier and product. Encourage clients to be thorough. Missing details surface in medical records anyway and can derail the case.

Learn the story behind the medication

Medications often tell the story. Become familiar with drugs associated with conditions that are typically uninsurable for LTC. Examples include:

Prednisone: often prescribed for COPD or rheumatoid arthritis
Requip (ropinirole): used for Parkinson’s disease (and restless legs syndrome)
Aricept (donepezil): used for dementia
Avonex: used for multiple sclerosis

More medication clues in six things to uncover before you submit.

Don’t guess the weight

Ask for current height and weight and check the carrier’s build chart. Estimates cause surprises.

Add a cover letter

Share context the application doesn’t ask for, such as healthy habits, lifestyle, and how conditions are being managed. The more the underwriter knows, the better the chance of a good outcome. See what to include in an underwriting cover letter.

Frequently asked questions

What health questions are on a long-term care application?

Medications, diagnoses, treatments, doctor visits, height and weight, and questions about daily functioning and cognition.

Which medications can lead to an LTC decline?

Drugs associated with conditions like dementia, Parkinson’s disease, or multiple sclerosis often signal an uninsurable condition. Ask about the diagnosis behind every medication.

Should I include a cover letter with an LTC application?

Yes, when there’s helpful context about lifestyle or how conditions are managed that the application doesn’t capture.

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Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Adding a Critical Illness Rider to Disability Income Coverage

September 26, 2026January 27, 2021 by Tim Fuller

Advisor supporting a couple as they review living needs benefits paperwork together

Health insurance deductibles keep climbing, and many clients now carry high-deductible plans. A serious diagnosis can mean thousands in out-of-pocket costs before disability benefits even begin. Adding a critical illness rider to a disability income policy is an affordable way to close that gap.

Key takeaways

High-deductible health plans shift more medical costs to clients, even when paired with an HSA.
A critical illness rider pays a lump sum on diagnosis, without waiting for the DI elimination period.
One carrier offers the rider on both short-term and long-term DI plans, in some cases on an express-issue basis.

Disability benefits replace income after the elimination period. A critical illness rider puts cash in the client’s hands at diagnosis.

The out-of-pocket problem

To keep premiums manageable, employers and individuals have moved toward higher deductibles and copays. Deductibles of several thousand dollars per person are now common.

Health Savings Accounts (HSAs) pair a high-deductible health plan with a tax-advantaged account for medical expenses. They help, but many clients have not built up enough in their HSA to absorb a major diagnosis. A heart attack, stroke or cancer diagnosis can create a large bill at the same moment income is at risk.

How a critical illness rider on DI works

A critical illness rider pays a lump-sum benefit if the insured is diagnosed with a covered condition. Unlike the base disability benefit, the client does not need to satisfy the elimination period to collect.

One of our carrier partners offers a critical illness rider with benefits up to $50,000. It can be added to short-term DI products, in some cases on an express-issue basis, and to long-term DI plans. Confirm current availability, benefit limits and covered conditions for your client’s state.

Why it strengthens your DI case design

It addresses the first dollars of a serious illness, which DI does not cover.
It pays even if the client recovers quickly and never meets the DI elimination period.
It adds meaningful value for a relatively small increase in premium.
It gives you a concrete way to discuss high-deductible exposure with clients.

For more on building complete protection, see our post on the gap in group disability coverage.

Get a custom case design

Clients understand their deductible exposure, and most appreciate a practical solution. Contact our Disability Income team for a case design built around your client’s health plan, income and budget.

Frequently asked questions

What is a critical illness rider on a disability policy?

It is an optional benefit that pays a lump sum when the insured is diagnosed with a covered condition, separate from and in addition to monthly disability benefits.

Does the critical illness rider require satisfying the elimination period?

With the rider described here, no. The lump sum is paid on diagnosis of a covered condition, while the base DI benefit still follows the elimination period.

Is a critical illness rider worth it if a client has an HSA?

Often yes. Many HSAs do not hold enough to cover a large deductible plus lost income and other costs following a major diagnosis.

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Reviewed by Tim Fuller on 2026-09-26

Tim Fuller

President, SRS Inc.

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Trust-Owned Life Policies With LTC or Chronic Illness Riders: Tax Traps to Avoid

September 25, 2026January 26, 2021 by Tim Fuller

Clients often want the death benefit out of their taxable estate and access to long-term care benefits if they need them. Putting a policy with an LTC or chronic illness rider in an irrevocable trust can seem to do both, but the structure can create estate and income tax problems if it isn’t handled carefully.

Key takeaways

Indemnity-style riders are generally better suited to trust ownership than reimbursement-style riders.
Reimbursement riders that pay the insured’s care providers could be treated as an incident of ownership or retained interest, pulling the death benefit back into the estate.
Under IRC 101(g), tax-free treatment of chronic illness benefits may depend on the payee incurring the care costs, which is uncertain when a trust owns the policy.

When a trust owns a policy with an LTC rider, there’s no specific IRS guidance on the tax result. The client must get tax advice first.

The planning goal

An irrevocable life insurance trust (ILIT) keeps the death benefit out of the insured’s taxable estate. The insured also wants access to rider benefits if they need care. A common approach uses an indemnity-type rider: the insured pays care costs personally (reducing their estate), and if they need cash, the trust can lend to them.

Why reimbursement riders are a problem

With a reimbursement rider, benefits are paid for the insured’s care expenses, so the trustee is effectively bound to pay the insured’s creditors. That could be treated as an incident of ownership or a retained interest, either of which could pull the death benefit back into the taxable estate.

The income tax question

IRC section 101(g) treats accelerated benefits paid for a chronically ill insured as paid “by reason of death,” and therefore generally income-tax-free. But for chronically ill insureds, section 101(g)(3)(A) conditions that treatment on the payment being for costs incurred by the payee for qualified long-term care services. When the payee is a trust that didn’t incur the costs, tax-free treatment is uncertain. Carrier materials commonly note there’s no specific IRS guidance on third-party ownership and that adverse income, estate, or gift tax results are possible.

The advisor’s responsibility

When a client wants third-party ownership of a policy with an LTC or chronic illness rider, make sure they get advice from a qualified tax advisor before implementing. For background on rider types, see the nuances of LTC and chronic illness riders.

Frequently asked questions

Can an ILIT own a life policy with an LTC rider?

It can, but it raises estate and income tax questions. Indemnity-style riders are generally better suited, and tax advice is essential.

Why are reimbursement riders a problem in a trust?

Paying the insured’s care expenses could be treated as an incident of ownership or retained interest, bringing the death benefit back into the estate.

Are LTC rider benefits tax-free if a trust owns the policy?

It’s uncertain. IRC 101(g) ties tax-free treatment of chronic illness benefits to the payee incurring care costs, and the IRS hasn’t issued specific guidance.

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Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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The Life Insurance Triple Play: Death Benefit, Cash Value and LTC

September 26, 2026January 25, 2021 by Tim Fuller

Active retired couple walking their dog on a coastal trail, representing retirement planning

Most clients think of life insurance as protection if they die too soon. But living too long, or living with an impairment, can be just as costly. A properly structured permanent policy with a long-term care rider can address all three risks in one plan.

Key takeaways

The death benefit provides immediate, generally income-tax-free liquidity for income replacement, estate costs and debts.
Properly structured cash value can supplement retirement income through policy loans and withdrawals.
An LTC rider can accelerate the death benefit to pay for care at home, in assisted living or in a nursing home.

One policy, three risks covered: dying too soon, living too long and living with an impairment.

Play one: the death benefit

The first job of life insurance is still the most important. The death benefit is immediate liquidity that can replace income, pay estate settlement costs, retire debts and fund a legacy. For clients with larger estates, it can also provide estate tax liquidity.

Play two: cash value for retirement

A permanent policy designed for accumulation builds cash value on a tax-deferred basis. In retirement, clients may access it through withdrawals and policy loans to supplement other income. Because loans and withdrawals reduce the death benefit and can cause a lapse if mismanaged, the policy should be illustrated and reviewed carefully.

Play three: long-term care benefits

Close to 70% of people turning 65 will need some long-term care. CareScout’s 2025 national medians put in-home care at about $35 an hour, assisted living at $6,200 a month, and a private nursing home room at $10,798 a month.

An LTC rider allows the insured to accelerate the death benefit to pay for qualifying care. Any benefit not used for care remains for beneficiaries. For design details, see our post on LTC riders on life insurance.

Who is a good fit

Clients who want LTC protection but dislike the use-it-or-lose-it nature of traditional LTC insurance
Pre-retirees who want both a legacy and a source of supplemental income
Couples concerned about one spouse’s care draining assets meant for the survivor

Riders differ by carrier in benefit triggers, monthly limits and cost, so compare carefully. Contact us for a side-by-side design.

Frequently asked questions

What is the life insurance triple play?

It is a permanent life policy with an LTC rider that covers three risks: death, outliving savings, and needing long-term care.

How does an LTC rider on a life insurance policy work?

If the insured qualifies for care, the rider accelerates part of the death benefit, usually monthly, to pay for care. Anything unused passes to beneficiaries.

Can cash value really supplement retirement income?

Yes, through withdrawals and policy loans, when the policy is designed and funded for accumulation. Loans and withdrawals reduce the death benefit and must be managed to avoid a lapse.

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Reviewed by Tim Fuller on 2026-09-26

Tim Fuller

President, SRS Inc.

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Medicare, Medicaid, or Private Insurance: Who Really Pays for Long-Term Care?

September 25, 2026January 21, 2021 by Tim Fuller

Many people approaching retirement assume Medicare or Medicaid will cover their long-term care. Both programs have major limits, and clients who rely on them often discover that too late.

Key takeaways

Medicare covers limited skilled nursing care after a qualifying hospital stay, not ongoing custodial care.
Medicaid pays for long-term care, but generally only after assets are spent down, and choices of care setting can be limited.
Private long-term care coverage pays for care in a range of settings, including at home.

Medicare doesn’t pay for custodial care — the help with bathing, dressing, and daily living that people may need for years.

What Medicare covers

Medicare is designed for acute illness. It can pay for up to 100 days in a skilled nursing facility per benefit period, but only after a qualifying hospital stay of at least three days, only for skilled care, and with significant daily coinsurance after day 20. It doesn’t cover custodial care, which is what most long-term care needs involve.

What Medicaid covers

Medicaid, a joint federal and state program, pays a large share of the nation’s long-term care costs. But eligibility generally requires spending down assets to low limits, subject to look-back rules on transfers, and the care settings and providers available can be restricted. Program rules vary by state and can change.

Why private coverage matters

Private long-term care insurance, including hybrid products, pays for care in a variety of settings, including home, and preserves choice and assets. Clients who plan ahead keep control of how and where they receive care. See what modern LTC policies cover.

Position yourself as the educator

Explaining these differences is one of the most valuable services you can offer clients nearing retirement, and a natural way to start the LTC conversation.

Frequently asked questions

Does Medicare pay for long-term care?

Only limited skilled nursing facility care after a qualifying hospital stay. It doesn’t pay for ongoing custodial care.

Does Medicaid pay for long-term care?

Yes, but generally only after the person has spent down most of their assets, and care options may be limited.

What does private long-term care insurance cover that Medicare doesn’t?

Custodial care at home, in assisted living, in adult day care, and in nursing homes, depending on the policy.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Charity-Owned Life Insurance: How Carriers Underwrite It

September 26, 2026January 19, 2021 by Tim Fuller

Life insurance can be a powerful way for a donor to leave a larger gift to a favorite charity. But when the charity owns the policy, carriers take a hard look at how much coverage is justified. Here is why, and what that means for your planning.

Key takeaways

State laws give charities an insurable interest in donors, but carriers apply strict financial underwriting to charity-owned policies.
In our survey of major carriers, a common limit was about ten times the donor’s annual giving, with a few carriers allowing more.
Charity-owned coverage can still work well for committed donors, especially when paired with other gifting strategies.

A donor who gives $5,000 a year may qualify for only about $50,000 of charity-owned coverage under a common carrier guideline.

Why carriers are cautious

As states passed laws giving charities an insurable interest in donors’ lives, charity-owned coverage became easy to place. Then the life settlement market grew, and some investor groups arranged for charities to buy large policies on donors with the intent of selling them later on the secondary market.

Carriers responded in two ways. Applications now ask about the intended use of coverage and any planned transfer of policy interests. And financial underwriting for charity-owned coverage was tightened significantly.

How much coverage carriers typically allow

When we surveyed major carriers, the starting point, and often the maximum, was about ten times the donor’s established annual giving to that charity. A donor who gives $5,000 a year might qualify for around $50,000.

One carrier allowed up to twenty times annual giving.
Another based limits on the projected value of the donor’s giving pattern over a portion of life expectancy.
Carriers may look beyond these standards in some circumstances.

Guidelines change, so confirm current rules before quoting. For more on how carriers justify face amounts, see our post on financial underwriting.

Other ways to use life insurance for charitable giving

Naming the charity as beneficiary of a policy the donor owns, which avoids charity-owned underwriting limits but keeps the donor in control.
Gifting an existing policy the donor no longer needs.
Wealth replacement, where life insurance replaces assets given to charity during life for the benefit of heirs.

Setting realistic expectations

Charity-owned life insurance is not a shortcut to large premiums. It is a meaningful tool for committed donors who want to multiply their legacy. Contact us to review carrier guidelines and find the best fit for a donor’s situation.

Frequently asked questions

Can a charity own a life insurance policy on a donor?

Yes. Most states give charities an insurable interest in donors, but carriers apply their own financial underwriting limits.

How much life insurance can a charity own on a donor?

A common carrier guideline is about ten times the donor’s annual giving to that charity. Some carriers allow more, so check current guidelines.

What are alternatives to charity-owned life insurance?

The donor can own the policy and name the charity as beneficiary, gift an existing policy, or use life insurance to replace assets given to charity.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-26

Tim Fuller

President, SRS Inc.

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What to Include in a Health History for Faster Underwriting Answers

September 25, 2026January 15, 2021 by Tim Fuller

“I’ve got a guy with a heart thing” isn’t much for an underwriter to work with. Every detail you provide turns a vague question into a firm answer, faster.

Key takeaways

Underwriters want the who, what, when, how, and why of each health issue.
Condition-specific details matter, such as cancer stage and grade or diabetes type and A1C.
Height, weight, tobacco use, and family history round out the picture.

Every detail you add turns “it depends” into a real answer, and shortens the turnaround.

The core questions for any condition

What is the condition or underlying cause?
When was it diagnosed?
Was it mild, moderate, or severe?
How is it treated?
Are symptoms well controlled? Any complications?
Fully recovered?
When was the last doctor visit, and what was the outcome?
What’s the current condition?

Condition-specific details

Cancer: type, location, stage and grade, PSA readings if applicable, any recurrence or spread.
Diabetes: Type 1 or 2, most recent A1C, treatment. See why A1C matters.
Heart conditions: procedures, test results, and current symptoms.

Also include

Height and weight
Any tobacco or nicotine use: cigarettes, cigars, chew, vaping
Family history of conditions such as heart disease, diabetes, or cancer

More on this in field underwriting and answering the underwriter’s questions first.

Frequently asked questions

What information do underwriters need about a medical condition?

Diagnosis, date, severity, treatment, control, complications, recovery, last doctor visit, and current status.

How can I get a faster informal underwriting answer?

Provide complete details up front, including condition-specific information like cancer staging or A1C.

Does height and weight matter for an informal inquiry?

Yes. Build affects nearly every rating, so always include it.

50+ Years in Business60+ Top-Rated Carriers★★★★★ Rated by Advisors

Reviewed by Tim Fuller on 2026-09-25

Tim Fuller

President, SRS Inc.

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Tim Fuller

The unsung builders of family businesses

What happens if the owner dies

Ways life insurance can help

Bringing the idea to business owners

Frequently asked questions

Tim Fuller

We’re Here to Help

Start with the fundamentals

Collateral risk

Policy performance risk

Interest rate risk

Frequently asked questions

Tim Fuller

We’re Here to Help

What underwriters weigh

Realistic outcomes

Positioning the case

Frequently asked questions

Tim Fuller

We’re Here to Help

Set the stage

Get an accurate health picture

Learn the story behind the medication

Don’t guess the weight

Add a cover letter

Frequently asked questions

Tim Fuller

We’re Here to Help

The out-of-pocket problem

How a critical illness rider on DI works

Why it strengthens your DI case design

Get a custom case design

Frequently asked questions

Tim Fuller

We’re Here to Help

The planning goal

Why reimbursement riders are a problem

The income tax question

The advisor’s responsibility

Frequently asked questions

Tim Fuller

We’re Here to Help

Play one: the death benefit

Play two: cash value for retirement

Play three: long-term care benefits

Who is a good fit

Frequently asked questions

Tim Fuller

We’re Here to Help

What Medicare covers

What Medicaid covers

Why private coverage matters

Position yourself as the educator

Frequently asked questions

Tim Fuller

We’re Here to Help

Why carriers are cautious

How much coverage carriers typically allow

Other ways to use life insurance for charitable giving

Setting realistic expectations

Frequently asked questions

Tim Fuller

We’re Here to Help

The core questions for any condition

Condition-specific details

Also include

Frequently asked questions

Tim Fuller

We’re Here to Help

Tim Fuller