A life insurance trust and an ILIT are not competing products. The real decision is whether...
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Articles Worth Reading Before You Decide
Each article is written by John McDonough to help you think clearly about a single planning decision. Read them in any order — they are designed to inform, not to pressure.
How Premium Financing Works: A Step-by-Step
Premium financing can preserve liquidity and support advanced planning, but the structure is more involved than...
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Premium Financing vs Cash Payment: Which
Premium financing and cash payment can both support a life insurance strategy, but they solve the...
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Whole Life vs Universal Life: Which
Whole life vs universal life is usually framed as a product comparison, but the real decision...
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Permanent Life Insurance Costs: What You’ll
Permanent life insurance costs involve more than a premium quote. This UHNW buyer guide explains what...
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The Buyer’s Guide to Permanent Life
Permanent life insurance becomes strategically useful when it’s engineered as long-duration capital. This buyer’s guide explains...
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Planning for What You Love, Not
Legacy planning works best when it starts with life, not death. This article recaps key webinar...
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How UHNW Families Engineer Permanent Life
Maximum cash value growth comes from structure, not hype. Disciplined funding, MEC-aware design, efficient internal economics,...
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Permanent Life Insurance as Strategic Capital
Permanent life insurance is rarely about returns or product selection at higher levels of wealth. Instead,...
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Cash Value Accumulation Strategies for Maximum
Most cash value life insurance policies underperform due to poor design, inconsistent funding, and unrealistic assumptions...
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When Buy–Sell Agreements Fail, It’s Never
How high-performing business owners structure and fund Buy–Sell Agreements to ensure continuity, control, and liquidity when...
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Why Fee-Only Fiduciary Advisors Dismiss Cash-Value
An examination of how fee-only fiduciary advisors evaluate cash-value life insurance, and how differing objectives around...
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Estate Tax Life Insurance: How Much
For substantial estates, the right amount of life insurance can mean the difference between wealth preservation...
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Life Insurance Estate Planning: How UHNW
How ultra-high-net-worth families use life insurance estate planning to manage estate taxes, create liquidity, and preserve...
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ILIT vs. Revocable Trust: Which Is
Discover the key differences, tax implications, and why sophisticated estate plans use both to protect wealth...
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Education on the JMac Wealth Channel
John McDonough shares the same strategy-first perspective in video on the JMac Wealth YouTube channel — a companion to the articles above for those who prefer to watch and listen.
Related Resources
Explore the Topics in Depth
Life Insurance Planning
How permanent life insurance fits within a coordinated wealth preservation strategy.
Premium Financing
A closer look at the leveraged strategy explored across several of the articles above.
Irrevocable Life Insurance Trusts
Why and when a policy may be better held inside an ILIT for estate planning purposes.
All Resources
Return to the full library of guides, articles, and educational topics.
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