Where permanent life insurance genuinely earns its place in a high-income balance sheet — and the illustration assumptions that quietly decide whether it does.
Indexed universal life is misunderstood and often mis-sold. Here is the structure high-earners actually use — max-funded, minimum death benefit, and paired with a 401(k) that has already hit its ceiling.
Marissa Chen, CFP
Jul 28, 2026 · 11 min read
Leverage magnifies illustration risk. A candid look at loan rate assumptions, collateral calls, and the client profile that can actually absorb them.
Marissa Chen, CFP
Jul 02, 2026 · 12 min read
With the federal exemption sunsetting and Peninsula real estate carrying most of the balance sheet, irrevocable life insurance trusts do the liquidity work probate cannot.
Elaine Whitfield, JD
Jun 24, 2026 · 10 min read