Self-Serve tier

Build the NAIC Model #613 replacement file for a life or annuity replacement — comparison illustration, signed notice, and 20-day replacement notice to the existing insurer.

model post-secure act ira / qualified-plan death benefit distribution — 10-year payout rule for non-eligible designated beneficiaries, eligible-beneficiary carve-outs, and the 2024 final regulations on annual rmds within the 10-year window.

screen a life insurance application for stoli risk — insurable interest at inception, beneficiary connection, premium financing arrangements, and 2-year contestability — using naic model #654 and state insurable interest statutes.

Set up or maintain an Irrevocable Life Insurance Trust (ILIT) — keep death benefit out of the gross estate under IRC §2042, use Crummey withdrawal notices, and avoid the 3-year transfer-back trap.