To the young guys- inheritance
Boone & Crockett
Posted 2/20/2026 10:25 (#11558362 - in reply to #11558256)
Subject: RE: To the young guys- inheritance


featherfarmer - 2/20/2026 09:16

Could you explain Boone how one decides if the premium on a long term care and on a life insurance policy would work to help buy out the nonfarming siblings? Who should be paying these premiums, and even if started at a younger age, what happens when thee estate quadruples and the owners of such an estate live well into their 90's ?
I do projections on the required face amount to fulfill liquidity necessary to satisfy lending requirements to borrow the balance, and add a projected number to the face amount to cover the nursing home. Benefits paid for long term care are subtracted from the death benefit. An option is a guaranteed insurability rider, which if deemed necessary if the future more insurance is necessary due to inflation of assets, their health status does not matter at that time.
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