Taxonomy
Topic hubs
Each hub is a permanent cluster slot. The content engine publishes articles, questions and comparisons into these hubs; the hub template renders them.
Tier 1 clusters
In-Force Policy Review
How to audit a life insurance policy you already own, and what the in-force illustration actually tells you.
Term Conversion
Conversion rights are contractual, dated, and irreversible once they lapse. This cluster maps the deadlines.
Life Settlements
When a policy's secondary-market value exceeds its cash surrender value, surrendering destroys money.
Tier 2 clusters
1035 Exchanges
Moving cost basis between contracts without triggering a taxable event.
Military: SGLI, VGLI & Separation
Separation starts a 240-day clock, and most of the decisions are made after the window closes.
Business-Owned Life Insurance
Key person, buy-sell funding, and the policies that outlive the agreements they were bought for.
412(e)(3) Defined Benefit Plans
Fully insured pension plans funded exclusively with annuities and life insurance contracts.
Estate & High-Net-Worth Planning
ILIT-owned policies, premium financing, and survivorship contracts bought under a different tax regime.
Decision pathway index
Keep
The policy still does its job. Document why and re-test.
Review
Pull an in-force illustration before anything else.
Modify
Adjust face amount, premium, or riders in place.
Convert
Exercise term conversion rights before they expire.
Exchange
Move basis to a better chassis under §1035.
Replace
New coverage, with full replacement disclosure.
Sell
Life settlement when market value beats surrender.
Surrender
Take cash value and accept the tax consequence.
Repurpose
Redirect the asset to a new planning objective.