Insights

An Irrevocable Life Insurance Trust (ILIT) is designed to be permanent. However, even a well-drafted ILIT can stop working as intended over time. Life insurance agents, trustees, and advisors frequently encounter ILITs that no longer align with a client’s current goals. This usually happens because circumstances have changed since the trust was created. Common reasons an ILIT may go “bad” include: Changes in family dynamics Beneficiaries facing unexpected financial situations Shifts in tax law

How market swings, inflation, longevity, and inaction can impact your portfolio — and what you can do to manage them

The 401(k) plan got its name from the portion of the IRS tax code that governs its use. In the past, most employees received guaranteed monthly retirement income through an employer-funded pension plan.

Nine out of 10 Americans surveyed by U.S. News & World Report say they want to continue living in their own homes and communities, or “age in place,” as they grow older.

In a good first‑mortgage purchase and refinance market, home equity lending competes with first‑lien originations from an appraisal, title, and servicing standpoint. Yet appraiser shortages, staff burnout, and fatigue across the real estate sector remain ongoing challenges. In addition, borrowers continue to face life events such as job loss, divorce, or death, circumstances that may lead to delinquency and that even the best underwriters cannot fully foresee. This seller’s market remains fast‑

By covering key safety topics and a new module on human trafficking, staff at a large hospitality management company felt empowered to take a greater role in strengthening internal safety programs.

Our Benefits Compliance team recently discussed how to determine employer size under various federal laws, changing compliance obligations, and how geographic expansion impacts group health plans.

Start exploring smarter risk strategies today with cell captives, parental leave policy updates and menopause support in the workplace.

Start your December strong with our Holiday Hamstring Hold challenge and discover how wall sits boost strength, posture and endurance.