Author Archives: Paul K. Arbo

About Paul K. Arbo

Known as Kit to his friends, he has lived in Great Falls, VA for the past 30 years and is married to his wife of 21 years - Lisa. Kit is an avid tennis player who belongs to two tennis clubs and plays on teams at both of them. In addition to tennis, Kit is a longstanding member of the Great Falls Hash House Harriers (an off-road running group which is affiliated with clubs around the world). For vacations Kit and Lisa enjoy sailing in the British Virgin Islands, spending time at their home in Bethany Beach, Delaware and traveling around the world. Kit has been in the financial services industry for 32 years and holds the designation of Chartered Life Underwriter (CLU) and Chartered Financial Consultant (ChFC). Kit received a Bachelor of Arts degree from the University of Virginia and a Masters of Business Administration in International Management from the American Graduate School of International Management. For the past 25 years he has been the President of Financial Brokerage Services, Inc., is a diversified financial services firm specializing in working with Entrepreneurs to enhance the value of their business and developing an exit strategy to maximize the amount of money received when the business is sold. To help build the value of a business Kit designs, implements and helps to administer competitive employee benefit plans to recruit and retain top talent, and Supplemental Executive Retirement/Compensation plans to reward them. When developing an exit strategy Kit works with the client's other key advisers to develop an integrated plan which insures the Buy Sell Agreement and takes in to consideration all of the client's other, non-business assets to customize a seamless retirement and estate plan.

Permanent Life Insurance – A Valuable Asset Accumulation Vehicle

When I started selling Permanent Life Insurance in the 80′s we typically described the cash value accumulation feature, which was guaranteed to credit 4%  to the cash value but sometimes paid 8-10%,  as a “forced savings account”.  Since the stock market was … Continue reading: Permanent Life Insurance – A Valuable Asset Accumulation Vehicle

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Permanent Life Insurance – Still An Exceptional Estate Planning Tool

With the recent enactment of yet another round of estate tax laws it initially appeared that Permanent life Insurance would no longer be an integral part of an estate plan.  The new estate tax laws allow $5,000,000 to pass tax … Continue reading: Permanent Life Insurance – Still An Exceptional Estate Planning Tool

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Permanent Life Insurance – How To Leverage A Business Gift For Multiple Generations

Now that Congress has finalized the Unified Credit (estate and gift taxes are the same; $5,000,000 per person passes tax free) leveraging a Business Interest to buy Permanent Life Insurance is a terrific opportunity for the next two years; after two years … Continue reading: Permanent Life Insurance – How To Leverage A Business Gift For Multiple Generations

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Life Settlement Adviser Your Most Important Choice In The Transaction

The Life Settlement Adviser you select to handle your Life Settlement sale is the key deciding factor as to whether you will have a fair market offer in a timely manner or will get a quick low ball offer that … Continue reading: Life Settlement Adviser Your Most Important Choice In The Transaction

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Life Insurance Viaticals – A Quality-of-Life Enhancer

Life Insurance Viaticals involve the sale of an existing life insurance policy, insuring somebody who has been diagnosed with a terrminal illness (meaning they have less than 24 months to live), to a Buyer who will pay a large lump sum … Continue reading: Life Insurance Viaticals – A Quality-of-Life Enhancer

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Life Insurance Settlements Association A Proud Organization

The Life Insurance Settlements Association was formed to help govern both the firms interested in buying life Insuance policies in Settlement transactions as well as the brokers retained by the Sellers to sell their policies.  The Life Insurance Settlements Association … Continue reading: Life Insurance Settlements Association A Proud Organization

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Life Insurance Settlement Companies A Retiree’s Best Friend

Life Insurance Settlement Companies are a retiree’s best friend when they need money to support themselves because the recession severely reduced their retirement assets and they can no longer work.  Life Insurance Settlement Companies buy existing life insurance policies on … Continue reading: Life Insurance Settlement Companies A Retiree’s Best Friend

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Life Insurance Settlement Calculator Not All Are Created Equally

A Life Insurance Settlement Calculator is a tool used in the Life Settlement industry to determine the lump sum of cash a Buyer would be willing to pay a Seller to buy their existing life insurance policy.  Life Settlements involve … Continue reading: Life Insurance Settlement Calculator Not All Are Created Equally

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Life Settlement Acquisitions Tricky Business Unless You Know The Underwriter

Life Settlement Acquisitions involve aggregating a block of Life Settlement policies as an investment; as policies “mature”  (insureds die) the Buyer/Aggregator receives the proceeds as a return on their initial investment.  While everybody knows that 100% of the people who … Continue reading: Life Settlement Acquisitions Tricky Business Unless You Know The Underwriter

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Life Settlement Administrators – The Key To A Successful Transaction

Life Settlement Administrators are the key to a successful transaction because the good ones have sophisticated tracking and compliance tools to move the sale along and satisfy all of the regulators  Before the Life Settlement industry became so popular there … Continue reading: Life Settlement Administrators – The Key To A Successful Transaction

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