Rising Interest Rates and Estate Planning

Rising interest rates have a broad effect on our daily lives, including when making an estate plan. With an increase in rates, popular solutions — such as private finance — are becoming more expensive. Given that rates are rising, a private split-dollar arrangement may be a flexible trust-funding alternative. We’ve made it easier by introducing a “Private Split Dollar” option in JH Illustrator, giving you the ability to tailor a presentation for your high-net-worth clients. After all, interest rates may be rising but the window of opportunity is closing to utilize the currently high gift- and estate-tax exemptions, making the timing ideal to offer alternatives that are independent of interest rates.