Learning Center for Businesses
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Learning Center for Businesses
The Ridgeback Group in Discussion with Aviva Sapers About Some of the Many Uses for Life Insurance and How the Drive to Evangelize the Importance of Life Insurance Was Part of the Sapers Family Heritage.
Aviva Sapers answers questions about her family legacy, the value of life insurance, and why such considerations shouldn’t be tied to Life Insurance Awareness Month. Read More
Podcast: How life insurance is used to help create successful Estate Planning outcomes
Aviva Sapers, President & CEO at Sapers & Wallack, and Andrew MacDougall, Partner & Managing Director of Wealth Management in conversation with Minerva Pinto, Private Wealth + Art Law Attorney at Holland & Knight LLP, around questions about how life insurance can be used as a vital tool in estate planning for tax liquidity, equalization,… Read More Read More
Disability Planning for Small Businesses Is Really About Protecting Choice
/// By Dr. Lydia Knutson & Aviva Sapers Disability planning is often misunderstood as a “just in case” benefit, something you hope never to use. In reality, it is about protecting choice when life takes an unexpected turn. “As a small business owner,” reports Dr. Lydia Knutson, owner of Lydian Chiropractic, “I learned this firsthand.… Read More Read More
Sapers & Wallack Services Overview
Since 1932, we have helped hundreds of clients. For more than 80 years, our approach to client service has been predicated on the highest degree of integrity and professional ethics. We are located in Newton, MA and serve public and private businesses, family businesses, non-profits and high net worth individuals all over New… Read More Read More
Strategic Uses of Life Insurance in Business Planning
/// By Mark Tarallo & Aviva Sapers For this year’s Life Insurance Awareness Month, we wanted to take a closer look at some of the growing trends in how life insurance can be used by business owners and executives as a powerful asset in building resilience, continuity, and long-term growth within a company. When integrated… Read More Read More
Women: Don’t Push Your Financial Needs Aside
/// By Ashley Agnew & Aviva Sapers With women living an average of five years longer than their male counterparts, and increasingly making more of the household financial decisions, the landscape of wealth management is shifting away from the historically male-dominated playing field. Despite this increase in financial responsibilities, women tend to have lower self-confidence… Read More Read More
Life Insurance Needs
By Aviva Sapers Why Do You Need Life Insurance? September is National Life Insurance Awareness Month, which is a great reminder to review your coverage if you have a life insurance policy, but also a good time to consider why you might consider insurance if you don’t yet have any. According to MassMutual’s Consumer Sentiment… Read More Read More
Disability Awareness Month
By Aviva Sapers Are you aware of the financial impact a disability can have for you and your family? You have around a 25% chance of becoming disabled for three months or more before the age of 65.* The average duration of a disability ranges from 2.1 years to 3.2 years, depending on age.** A 2019… Read More Read More
Podcast Q&A: “Reduced Health Care Costs & Shared Profits with the InCap® Group Captive“
Paul Clark, Managing partner, National Health Care Captive Practice Leader of Clark & Lavey, A Hilb Group Company and Evan Macedo Treasurer & Vice President of Finance & Operations at Sapers & Wallack answer questions about their blog “Reduced Health Care Costs & Shared Profits with the InCap® Group Captive” You can read the… Read More Read More
Reduced Health Care Costs & Shared Profits with the InCap® Group Captive
/// By Paul Clark and Evan Macedo Squeezed between the perpetually rising cost of health care and the increasing demand for good benefits to attract and retain talent—American businesses are struggling to find the right balance to stay afloat and remain competitive. More and more companies are looking for ways to cut costs of employee… Read More Read More
Podcast Q&A: “Disability – Why is Income Protection Important?
Aviva Sapers, CEO and and Kristen Maalouf, Executive Assistant of Sapers & Wallack , answer questions about their blog “Disability – Why is Income Protection Important?” You can read the blog: “Disability – Why is Income Protection Important?‘” here. Read More
Disability – Why is Income Protection Important?
/// By Aviva Sapers and Kristen Maalouf Think for a moment about your ability to earn an income and how important it is to protect that income if you became too sick or injured to work. You are currently healthy and working, right? Would you agree that it is your ability to earn an income… Read More Read More
Where You Get Your Care Matters
Before I became Sales Director for Hilb Group of New England, I spent years working directly for a large insurance carrier. I have looked at a lot of health care data throughout my career and have taken well over a hundred meetings with companies for direct review of their health care plans and outcomes. Believe… Read More Read More
Podcast Q&A: Where You Get Your Care Matters
Scott Mathieu answers questions about our September blog. Whether you’re shopping as an individual or working on the HR side of your company benefits plan, doing the research and working with advisors who understand the stakes can not only save money and but also add immensely to the quality of life for you and your… Read More Read More
It’s Time For Your Life Insurance Checkup
September is National Life Insurance Awareness Month, so i’s a great time to review your coverage.* If you don’t have any life insurance, you’re not alone. Life insurance is one of those “someday” things for many people – but the cheapest time to buy it is probably today. There are two kinds of life insurance:… Read More Read More
Using Life Insurance to Offer Diversified, Tax-Advantaged Retirement Savings
Regardless of your financial situation, for most of us, saving the right amount of money for retirement can be difficult. Establishing sources of replacement income that will allow you to consistently maintain your expected lifestyle after your working years often requires careful planning, financial discipline, and if those are not attainable, some creative solutions. Read More
Underwriting in the Time of COVID-19
As with all industries, the insurance market has been greatly affected by the COVID-19 pandemic—particularly around the practice of underwriting. For the uninitiated, Life Insurance Underwriting is the method through which insurers evaluate the risk of potential buyers in order to decide whether or not to approve, deny, or rate up a life insurance policy. … Read More Read More
Using Endowments for Sustainable Giving
One of the biggest challenges facing nonprofits with large individual donations, is losing an annual stream of income when the donor dies. While most nonprofits rely heavily on their annual fundraising campaigns, it is important, and sometimes vital, for nonprofit organizations to encourage such donors to endow their gifts – distinct from annual contributions –… Read More Read More
Reviewing Life Insurance Needs in the Time of COVID
As we enter Life Insurance Awareness Month, it seems a good moment to reevaluate why we have the insurance we do and whether it is the right amount to fulfill the needs we have. Against the backdrop of the COVID-19 pandemic and with an election only months away that has the potential to greatly change… Read More Read More
Mitigating Downside Risk in the Market with Annuities and Life Insurance
There is a pervasive myth that insurance products produce mediocre returns. In truth, though life insurance has been purchased for many years to provide security and guarantees, there are some newer product lines that can be very attractive for investment purposes—particularly in volatile markets. In order to remain competitive and relevant, the insurance industry has… Read More Read More
Termination Death Benefit for Large Corporations
Termination Death Benefit for Large Corporations: How Not to Lose Benefits to Taxes, While Insuring Recovery of Accrued Liabilities It is a hard, somewhat morbid, topic to face, but the death of business executives at large companies is a financially fraught time for both the company and family of the executive alike. The financial payout… Read More Read More
Beware of One of the Most Costly “FREE” Employer Provided Benefits, Otherwise Known as the Fallacy of Group Term Life Insurance
One of the bread-and-butter staples of a well-conceived employee benefit program is the classic group term life insurance. You join a company, fill out a beneficiary form, and voila, you are provided with group term life insurance equivalent to a multiple of salary, such as two times annual earnings. You don’t think much of this… Read More Read More
Case Study: Oxfam – Customized Executive Benefit Solution
OXFAM AMERICA is a global nonprofit organization that works throughout 90 countries in an effort “to create lasting solutions to poverty, hunger, and social justice.” In March 2012, Oxfam implemented the Executive Benefit Restoration Allowance plan to make the executive retirement benefits competitive. The prior plan design provided 2 annuity options geared towards retirement but… Read More Read More
New Video: Long Term Disability Insurance
The year comes to an end and we enjoy the time with family and friends during the holiday season. But many also ask themselves important questions: what happens if this idyllic gathering won’t be possible in the future? What if a family member becomes disabled or ill? Read More
Video: Long Term Disability Coverage
Do you have enough disability insurance coverage? Learn more about your options when it comes to long term disability insurance in this video and on our dedicated long term disability page. Purchased to mitigate the risk of unfortunate surprises in your working years and fill the gaps left in work-based policies, these policies safeguard your… Read More Read More
Why so many Charitable Gift Annuities are Underwater…
Although many institutions that have offered CGAs to donors are concerned about the natural extension of life expectancy, or that a large number of female CGA donors could offset the life expectancy experience–increased longevity has not been the major factor of CGA failures. Read More
May is Disability Insurance Awareness Month: How protected are your assets?
The month of May has been designated as Disability Insurance Awareness Month making it a perfect time to ask you the question: Are you covered? In a survey conducted last year by the Council for Disability Awareness, two-thirds of Americans said their salary was their second most valuable asset, yet only three in ten had… Read More Read More
Is Your Company Ready to Report Health Information on Your Employees to the IRS?
The Internal Revenue Service (IRS) has released drafts of the forms that employers will use to report on the health coverage that they offer to their employees in 2015. This reporting is required as part of the Affordable Care Act (ACA). Employers with 100 or more employees (including full time equivalents) are required to provide… Read More Read More
It is Disability Awareness Month – Are you aware of the financial impact a disability can have for you and your family?
Every minute, 50 individuals suffer a disabling Injury.* Nearly one in five Americans will become disabled for 1 year or more before the age of 65.** 54.5% of personal bankruptcies are the Result of Medical Problems.*** What do these statistics mean for you and your loved ones? Did you know you can you protect yourself… Read More Read More