Howard Kaye Insurance Agency
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Have questions about life insurance or wealth preservation strategies? Ask Howard! Your friends for life. Life Insurance.
Here at Howard Kaye Insurance, we are the nation’s foremost authority on wealth creation, preservation, and distribution. Our innovative solutions have been utilized by the affluent and discerning coast to coast since 1963. We pride ourselves on helping individuals, families, corporations and charities accomplish their financial goals. Our experience with estate planning, life insurance planning and income planning is unsurpassed. We offer concierge level advice and service and are committed to our clients’ aspirations.
09/22/2026
How do you know if your business needs succession protection?
If your business is one of your family’s largest assets, succession planning isn’t just about retirement. It’s about what happens to the value you’ve spent years building if you’re suddenly no longer there.
Ask yourself:
• If you were gone tomorrow, who would own the business?
• Who would have the authority to run it?
• If you have partners, could they afford to buy your share?
• If a partner died unexpectedly, where would the money come from to buy their interest?
• Would your family receive the value of your ownership, or could they be left with an asset that’s difficult to sell?
• Does your current buy-sell agreement reflect what the business is actually worth today?
These questions matter particularly for family-owned businesses, professional practices, partnerships, and closely held companies where a significant portion of personal wealth is tied to the business.
And the need is real. Recent surveys show that a significant number of private business owners still don’t have a formal, fully implemented succession plan.
A succession strategy can help address ownership, control, liquidity, continuity, and the transfer of business value before an unexpected event forces the issue.
You built the business.
Make sure you’ve planned for what happens next.
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HOW OFTEN DO YOU BUY AN INVESTMENT AND KNOW EXACTLY WHAT YOUR FUTURE RETURN WILL BE?
Not often.
That’s why there’s so much value in the word “guarantee.”
Take your stock portfolio.
History might suggest a 6% or 7% average annual return over the long term.
But you don’t get that return every year.
One year, you might be up 10%.
Another year, you might be down 30%.
Building wealth in the market requires patience, discipline, good decision-making — and the ability to tolerate volatility.
But what if part of your wealth strategy worked differently? This is where life insurance can enter the conversation.
When properly structured, permanent life insurance can provide:
→ A contractually guaranteed death benefit, subject to policy terms and applicable guarantees
→ The ability to leverage today’s dollars into a larger future benefit
→ Potential cash value accumulation
→ Potential access to cash value through policy loans, subject to policy terms and tax rules
→ A potential tool for efficient wealth transfer
And here’s the part many people overlook:
Life insurance can tell you, contractually, how much future money you’re securing with today’s dollars.
The market can give you an expected return.
A properly structured life insurance strategy can give you something different: certainty around a future benefit.
That doesn’t make life insurance an investment.
It makes it an alternative wealth strategy that can complement the investments you already own.
And when the goal is building wealth that lasts beyond your lifetime, that distinction matters.
You’re not just asking, “How much can my money grow?”
You’re also asking:
“How much future wealth can I create, protect, and efficiently transfer?”
That’s where the conversation gets interesting.
If creating a lasting legacy is a priority for you too, give us a follow!
Educational content only. Individual results, guarantees, cash value, and tax treatment depend on the policy, structure, funding, and applicable tax rules. Consult your qualified financial, tax, and
09/11/2026
September 11, 2001, was a day that changed countless lives in an instant.
Behind the headlines were families who suddenly lost husbands, wives, parents, sons, daughters, and friends.
For many, life had to continue—but it looked completely different.
It’s a reminder that none of us knows what tomorrow holds, and that taking care of the people we love sometimes means preparing for the things we never expect to happen.
Today, we remember the lives lost, the families affected, and the lasting impact of that day.
My mom’s care went from $5,800 to over $9,000 a month… almost overnight.”
That wasn’t written by a financial advisor.
It came from an adult child—someone who was actually relatively well-off financially—yet still found themselves turning to Reddit for advice as Alzheimer’s care costs began rising faster than expected.
Even with resources, the reality of long-term care created uncertainty about how long savings would last.
It raises a question every family should ask:
How do you pay for years of long-term care without spending everything you’ve worked a lifetime to build?
The reality is…
Long-term care can cost $100,000+ per year.
And many families don’t realize these expenses may not be covered the way they expect.
The hidden retirement risk isn’t always dying too soon.
It’s living long enough to need care.
The good news?
Planning ahead can give you more choices.
Depending on your situation, that may include:
✔️ Hybrid life insurance
✔️ Long-term care benefits
✔️ Annuities with long-term care features
✔️ Other wealth preservation strategies
The best time to plan isn’t after a diagnosis.
It’s while you still have options.
💬 Have you had a conversation with your spouse, parents, or adult children about long-term care planning?
👇 Share your thoughts in the comments.
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07/17/2026
Some lessons never go out of style.
Markets change.
Tax laws change.
Technology changes.
But the principles of building, protecting, and preserving wealth have stood the test of time.
These books represent decades of conversations with families, years of research, and one simple mission:
Not to predict the next market.
Not to chase investment fads.
But to answer the questions families ask most:
How do I retire with confidence?
How do I protect my assets?
How do I minimize taxes?
How do I leave more to my family?
The strategies have evolved.
The principles haven't.
My parents passed away during COVID.
Years earlier, my brother, sister, and I purchased a survivorship life insurance policy on them.
Not because we knew when we would need it.
Because we knew one day we would.
The goal wasn't predicting the future.
It was preparing for something every family eventually faces:
The transfer of wealth.
Many affluent families spend decades building assets.
But the moment wealth transfers is often when the biggest challenges appear:
Taxes.
Liquidity.
Equal inheritances.
Family decisions made under stress.
That's why survivorship life insurance has become such a powerful estate planning tool.
It can provide liquidity exactly when a family needs it most — without forcing heirs to sell assets at the wrong time.
The lesson isn't that we knew what would happen.
The lesson is that we planned for what was inevitable.
Because the best estate plans aren't just about growing wealth.
They're about making the transition easier for the people you leave behind.
According to Bloomberg , the U.S. has more than 24 million millionaire households — yet many families are asset rich and liquidity constrained.
Real estate and retirement accounts may represent significant wealth, but they aren't always easy to access when a family needs cash quickly.
The question isn't:
"How much wealth will my family inherit?"
It's:
"Will they have the liquidity to handle it?"
06/15/2026
Most affluent retirees won't depend on Social Security.
But that doesn't mean they should ignore it.
Social Security was never designed to fund an affluent retirement.
In fact, it often replaces a much smaller percentage of income for higher earners than many people realize.
A question we like to ask is
What will your Social Security check actually accomplish?
Will it be spent?
Or will it become:
✅ guaranteed lifetime income
✅ long-term care protection
✅ tax-free wealth transfer
✅ estate liquidity
✅ a charitable legacy
The wealthiest retirees often view Social Security differently.
Not as income they need.
But as an opportunity to reposition assets more strategically.
How much of your retirement income do you expect to come from Social Security?
➖ Less than 25%
➖ 25–50%
➖ More than 50%
Not many are thinking about long-term care at 40.
That's exactly why so many people get caught unprepared at 70.
Most people can't imagine needing help.
Until they do.
And by then, many of the best planning opportunities are gone.
Here's the statistic that should get your attention:
Nearly 70% of people who reach age 65 will need some form of long-term care during their lifetime.
The question isn't whether you'll age.
The question is whether you'll have a plan when aging becomes expensive.
Because protecting your wealth is one thing.
Protecting your independence is another.
06/09/2026
7 out of 10 Americans will need long-term care.
But here’s what affluent retirees worry about even more:
Running out of income while they’re still alive.
According to longevity risk—the fear of outliving assets—is one of the greatest concerns facing today’s retirees, which is why guaranteed income solutions are becoming an increasingly important part of retirement planning.
For families who have spent decades building wealth, a long-term care event creates a difficult choice:
Sell investments?
Liquidate real estate?
Withdraw from retirement accounts during a market downturn?
Or have a plan in place before it’s needed?
Many of today’s annuities offer long-term care riders that can increase income when care is required, helping create liquidity without forcing the sale of assets at the wrong time.
Unlike traditional long-term care insurance, there is often no “use it or lose it” outcome. If care is never needed, you still receive retirement income, and remaining values can pass to your beneficiaries.
Because protecting wealth isn’t just about growing assets.
It’s about protecting the income that supports your lifestyle when life becomes unpredictable.
70% will need care.
100% will need income.
Did you know that major hedge funds and institutional investors purchase life insurance policies from seniors?
Most people believe they only have three options with an unwanted life insurance policy:
Keep it.
Lapse it.
Surrender it.
But there may be a fourth option that many policy owners never hear about.
In 2025, 626.6 million was paid to consumers by Life Insurance Settlement Association (LISA) members for policies they no longer needed. Nearly 9x more than they would have received via surrender, according to the Life Insurance Settlement Association's annual market data.
In this video, we explain why sophisticated investors buy life insurance policies, how the life settlement market works, and why thousands of seniors have sold policies they no longer needed.
If you're over age 70, have experienced changes in health, or own a policy that no longer serves its original purpose, this information could be valuable.
🎓 FREE UPCOMING LIFE SETTLEMENT WEBINAR
Learn:
• How life settlements work
• Who qualifies
• Potential tax implications
• Common myths and misconceptions
• Real-world examples
Comment "Webinar" to find out how you can get on the waitlist for our upcoming webinar on life settlements!.
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