The Insurance Policy has Cratered - How to Advise the Client Now/Looking into a Crystal Ball - What Happens to the Doubled Lifetime Exclusion?

Date: Monday, March 25, 2019
Time: 5:30pm - 8:00pm
Location: The Cannery 3803 Toulouse St, New Orleans, LA 70119
Speaker: David F. Byers, Jr., J.D., LL.M

All You Ever Wanted to Know About What You’ve Been Pitched by the Insurance Guys: A Potpourri of Insurance Ideas    

Private Placement, Premium Finance, Split Dollar – all are strategies for ultra-net worth families, but they address different objectives and different types of tax concerns.  What’s the bottom line on each?  And are they worth the effort?

The Insurance Policy has Cratered – How to Advise the Client Now

Sustained low interest rates and, in some cases, increased mortality charges, have created a crisis for many longtime owners of insurance policies.  What factors caused this?  What should I advise the client to do?  Why isn’t the agent helpful?  How should I make sure this doesn’t happen the next time around?  This topic would use actual case studies to address the most commonly asked questions.


David F. Byers Jr., J.D., LL.M, Managing Principal
Capital Strategies Group, Inc.
Professional History & Education
As Managing Principal of Capital Strategies, David directs the areas of
Wealth Transfer and Executive Benefits for the firm. Capital Strategies is a
wealth preservation-focused insurance firm for ultra-high net worth
families and their companies. David has been a member of the firm for 24
Prior to joining Capital Strategies in 1995, David built a successful business
and tax planning practice as a founding partner of a prominent Birmingham
law firm. He began his career as an associate attorney with the
Birmingham office of Burr & Forman LLP.
David is a member of the Alabama Bar Association. He is also President
and member of the Board of Directors of the Association of Advance Life
Underwriters (AALU).
Active in the M Financial Group community of member firms, he has
served on the Member Firm Relationship Committee (MFRC) and chaired
the 2014 Annual M Marketing Meeting. In 2016 David was elected to the
Board of Directors for M Financial.
David belongs to the Birmingham Rotary Club, is a member of the United
Way Toqueville society, serves on the Board of the National Christian
Foundation (Alabama), and is a past Chairman of the Board for King’s
Home. He is also active in Third Presbyterian Church as a Member of
David worked to make education in Alabama better by serving for 16 years
on the Alabama State Board of Education, the policy-making body for K-12
and Board of Trustees for the Community College System, often as
presiding officer.
David holds a B.A. in English and Political Science from the University of
Alabama at Birmingham. He received a J.D. from the Cumberland School of
Law at Samford University and obtained an LL.M. (Taxation) from New York
Personal/ Interests
David and his wife, Karen, have three children, and in his off time he enjoys
politics, reading, wing shooting, and college football.

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