The Beacon
Your Source for Enlightenment
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3rd Quarter 2014 Edition
In This Issue...
Client Service Pledge
Estate & Gift Tax Treatment for Non-Citizens
Underwriting Hot Topic: Foreign Travel
Case Design Insight: Annuities

Our Client

Service Pledge

 

  

 Cornerstone Consulting Group is committed to active policy management. We monitor premium payments, industry changes and market conditions to provide timely and dependable client service.

 

Cornerstone's Client Service Manager, Amy Cooper, brings this promise to life on a daily basis through her client relationships and industry expertise. With nearly 10 years of experience, Amy provides exceptional service to our clients and their advisors.  

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Quick Links

 

  
Estate & Gift Tax Treatment for Non-Citizens 

It goes without saying that the laws governing the U.S. estate and gift tax system are complex.  When you then consider the additional complexities of the rules governing non-U.S. citizens ("non-citizens"), the U.S. estate and gift tax system is even more onerous and requires a much higher degree of awareness.

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Underwriting Hot Topic: Foreign Travel
An important factor in determining a person's underwriting classification and eligibility for obtaining life insurance is foreign travel. Life insurance companies review future travel plans and potentially past travel habits because a proposed insured may be negatively affected by the surroundings of the country visited. Conditions such as lower standards for personal health, poor medical facilities, and political unrest may increase the mortality risk for a proposed insured.
Case Design Insight: Annuities

An annuity refers to a contract between an owner and an insurance company, where the owner deposits money into an insurance contract, and the insurance company, in return, provides an income stream.    

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Raymond Nash

CEO & Principal

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Larry Rothstein,CLU,AEP
Senior Advisor
  
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Nicholas Bellon
Senior Advisor
    

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