Howard Kaye Insurance Agency

Howard Kaye Insurance Agency 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 a

nd income planning is unsurpassed. We offer concierge level advice and service and are committed to our clients’ aspirations.

07/30/2026

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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Annuities WealthPreservation Retirement FinancialPlanning Alzheimers Caregiving LegacyPlanning HighNetWorth RetirementIncome HowardKayeInsurance Howard Kaye Insurance Agency

Some lessons never go out of style.Markets change.Tax laws change.Technology changes.But the principles of building, pro...
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.

06/16/2026

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?"

Most affluent retirees won't depend on Social Security.But that doesn't mean they should ignore it.Social Security was n...
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%

06/10/2026

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.

7 out of 10 Americans will need long-term care.But here’s what affluent retirees worry about even more:Running out of in...
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.

06/08/2026

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!.

06/01/2026

If you're already a good investor, why are you asking life insurance to be an investment?

That's the question that changed everything.

Most affluent families don't need life insurance to outperform their portfolio.

They need it to protect everything their portfolio built.

Liquidity.

Estate equalization.

Tax planning.

Legacy preservation.

The goal isn't always more growth.

Sometimes it's creating certainty when certainty matters most.

That's a very different way to think about life insurance.

Many affluent families believe simply “having a trust” means their assets are protected.Not always.One small detail in h...
05/29/2026

Many affluent families believe simply “having a trust” means their assets are protected.

Not always.

One small detail in how a trust is structured can determine whether assets remain exposed to estate taxes, creditors, or probate complications.

Especially when life insurance is involved.

The goal isn’t just transferring wealth.

It’s protecting how that wealth transfers.

Click here to read more > https://bit.ly/494wim2.

Howard Kaye Insurance Agency

05/27/2026

Survivorship Life Insurance (aka Second-to-Die Insurance) covers 2 people under 1 policy — and only pays out after BOTH spouses pass away.

That’s why it’s often the lowest-cost life insurance used in estate planning.

And here’s the strategy wealthy families use👇

If assets are passing to the surviving spouse first, there’s typically no estate tax at the first death.
The estate tax problem usually comes later — after both parents pass.

So families use survivorship life insurance to create liquidity for:

✔️ Estate taxes
✔️ Protecting inherited wealth
✔️ Keeping businesses & properties in the family
✔️ Preventing forced asset sales

The goal isn’t just leaving money behind.
It’s making sure your heirs don’t have to sell what you spent a lifetime building.

WealthPreservation HighNetWorth

Address

2500 N. Military Trail Suite 312
Boca Raton, FL

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

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