Expert guides and insights from BUI (Brokerage Unlimited, Inc.) to help you make confident financial decisions.
Minnesota estate tax 2026: $3M exclusion, 13% to 16% rates, no portability, worked examples, and how life insurance is used for liquidity. Talk to BUI.
Federal estate tax guide for advisors: $15M per-spouse exemption indexed from 2027, 40% rate, portability, and liquidity planning. Request an analysis.
How the Illinois estate tax works in 2026: the $4M threshold, the cliff, example estates, nonresident rules and how life insurance may help. Request a review.
Permanent life insurance serves four permanent needs in estate planning: estate tax liquidity, wealth preservation, estate equalization, and special needs
Should you convert a term life insurance policy? Compare converting now vs. waiting and conversion vs. new underwriting with cost analysis and anonymized
BUI's classically trained FALU underwriters place difficult life insurance cases including cancer, diabetes, cardiovascular, and hazardous avocations. Submit
RIAs can offer life insurance, LTC, and annuities through a BGA partnership without internal licensing. Maintain fiduciary compliance with BUI.
BUI provides specialized life insurance, LTC, annuity, and risk-management expertise for broker-dealers. National resources, personal service, advisor-first
Advanced underwriting support for EB producers at P&C and employee benefits firms. Impaired risk, jumbo face amounts, reinsurance, and concierge case support.
Objective, carrier-agnostic life insurance planning support for family offices. In-force policy analysis, complex underwriting, ILIT coordination, and multi
BUI's life insurance application assistance helps advisors skip the paperwork. Term technology for fast submission, fulfillment service for permanent and LTC
BUI provides six turn-key life insurance evaluation processes for licensed advisors. Offload analysis, receive polished reports, and get joint presentation
Learn how accelerated underwriting life insurance works: algorithmic risk selection, eligibility, disqualifying conditions, and how no exam applicants can
Struggling with high-risk cases? Partner with BUI, a premier life insurance BGA. Access dozens of carriers and expert FALU underwriting support. Contact us.
Learn when a business loan requires collateral assignment life insurance, how the assignment works, and what advisors need to track from lender intake to
Discover why lifestyle spend, not debt, should drive life insurance needs analysis for financial advisors. Learn BUI's 4-step framework.
Help HNW clients solve estate tax liquidity challenges. Read our advanced guide on using an Irrevocable Life Insurance Trust (ILIT) for strategic wealth
What is a BGA in life insurance? Learn what a Brokerage General Agency does, how it differs from IMO/FMO, and 11 questions to ask before choosing a BGA partner.
How to audit permanent life insurance policies: identify lapse risk, adjust premiums, evaluate carrier stability, and uncover hidden inefficiencies. A
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