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

10/15/2026

You review your investments. Your real estate. Your retirement accounts.

But when was the last time you reviewed your life insurance?

A policy that made perfect sense 20 years ago may no longer be the right fit today.

Your family has changed. Your estate plan has evolved. Your financial priorities may be entirely different.

Yet many policyholders continue paying premiums without reviewing how their coverage is performing or whether it still serves their goals.

A policy review may uncover opportunities to:

• Improve coverage efficiency if a different policy better fits your current needs.

• Address rising premiums or a policy that may not perform as originally illustrated.

• Add long-term care benefits through an appropriate policy or rider, where available.

• Explore a life settlement if an eligible policy is no longer needed and may be worth more on the secondary market than its surrender value.

• Realign your estate plan with your current wealth, family, and legacy goals.

The point isn’t that every policy needs to be replaced.

It’s that a decision you made decades ago shouldn’t go unquestioned simply because you’ve been paying the premiums.

Your life insurance is part of your financial picture. Treat it that way.

When was the last time you had your policy reviewed?

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When home values skyrocket in high-end markets like Boca Raton, Palm Beach, and Delray Beach, heirs do not get hit with ...
10/09/2026

When home values skyrocket in high-end markets like Boca Raton, Palm Beach, and Delray Beach, heirs do not get hit with a massive death or income tax bill.

Instead, they face a localized “Property Tax Shock” that can double or triple their annual carrying costs overnight

For affluent families in Boca Raton, Palm Beach and Delray Beach, there are two very different tax questions hiding inside an inherited home.

The first can be good news.

Inherited property generally receives a new tax basis equal to its fair market value at the owner’s death. That can significantly reduce or even eliminate the capital gain that would otherwise result from decades of appreciation if the heir later sells.

The second is where many families may be caught off guard.

Florida’s Save Our Homes assessment limitation can keep the assessed value of a long-held homestead far below its current market value. But when ownership changes, Florida law generally provides for a reassessment at just value the following January 1, subject to important exceptions, including certain transfers upon death.

That means the question isn’t simply:

“Will my children owe taxes when they inherit the house?”

It’s:

“What happens to the property’s tax assessment, carrying costs and the rest of the estate when ownership passes to the next generation?”

For a Palm Beach County family holding a highly appreciated home, that distinction can matter enormously.

Estate planning isn’t only about who gets the house.

It’s about making sure your heirs can actually keep what you leave them.

You may understand the capital-gains side of inheritance. But do you understand what happens to the property-tax side?

Have you spoken with an estate planning professional about strategies to help preserve and efficiently transfer your family’s most valuable assets, from real estate and fine art to a family business?





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What you don’t know about your life insurance could cost you a fortune.You bought your policy for a reason. But when was...
10/02/2026

What you don’t know about your life insurance could cost you a fortune.

You bought your policy for a reason. But when was the last time someone actually sat down with you to explain what it can—and can’t—do for you today?

Research has found that 40% of policyholders are confused about their own coverage, and many rarely hear from their insurer after the sale. In some cases, policyholders eventually walk away from coverage and value they may not have realized they had.

That raises some important questions:

• Will my policy lapse if I miss a payment?
• Is my coverage guaranteed for life at my current premium?
• Can it remain in force past age 90—or even 100?
• Could my existing cash value potentially provide more coverage?
• Could I sell my policy for more than its cash surrender value—even if it’s term insurance?

Your policy may have options you haven’t explored.

And those options can matter even more as your health, retirement goals, estate plan, and financial priorities change.

When was the last time your advisor called with an idea that could improve your planning options?

If it’s been a while, it may be time for a policy review.

A policy review costs you nothing—and could uncover an opportunity you didn’t know you had.

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09/30/2026

Your life insurance premium can change your entire strategy.

Imagine you’ve been paying $75,000 a year for a policy—only to discover that the coverage may end at age 88 unless you increase the premium to $140,000 a year.

That’s a big change.

But before simply accepting the new premium, it may be worth asking:

What options do I have with the policy I already own?

In some situations, a 1035 exchange can allow the cash value of an existing life insurance policy to be transferred into a new qualifying policy without triggering current income tax on the exchange, provided the applicable requirements are met.

Depending on the policy, underwriting, guarantees, costs, and individual circumstances, restructuring existing coverage may create an opportunity to address rising premiums or changing policy objectives.

The key is not to wait until a policy becomes unaffordable.

Review the policy. Understand what changed. Then evaluate your options.

Because sometimes the best way to improve an old policy isn’t to simply pay more—it’s to determine whether the policy still fits the plan.

Educational content only. A 1035 exchange is subject to specific tax rules and insurance requirements and may not be appropriate for everyone. Replacing an existing policy can involve new underwriting, fees, surrender charges, loss of existing benefits, and other considerations. Consult qualified insurance, tax, and financial professionals before making a change.

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Net worth can look impressive on paper. Until you need liquidity.A portfolio can make you wealthy without giving you eas...
09/29/2026

Net worth can look impressive on paper. Until you need liquidity.

A portfolio can make you wealthy without giving you easy access to cash when life changes.

Long-term care. A health event. A family transition. An unexpected expense.

When too much of your wealth is tied up in real estate, businesses, or other illiquid assets, accessing cash may mean selling at the wrong time—or creating an unnecessary tax consequence.

For high-net-worth families, the question isn’t only:

“How much are you worth?”

It’s also:

“How much of your wealth can you access when you need it?”

True wealth planning considers both.

Wealth is more than a number on a balance sheet. It’s having the resources and flexibility to make decisions when they matter.

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09/24/2026

You finally reach the number you spent years working toward.

$2 million. $5 million. $10 million.

And then you think:

“Now I can keep growing it.”

That’s where retirement planning can get complicated.

Because the years immediately surrounding retirement can matter enormously.

You’re no longer just accumulating assets

you may be drawing income from them while markets are moving up and down.

A significant market decline early in retirement can force you to sell investments while they’re down, potentially leaving less capital available for future recovery.

That’s why retirement planning shouldn’t stop when you hit your target number.

As portfolio-risk research emphasizes, “risk regimes change, often suddenly and in unexpected ways.”

The question becomes:

How much of your retirement income needs to depend on market performance

and how much can you structure around more predictable sources of income?

For affluent families, this is less about chasing the highest possible return and more about coordinating growth, liquidity, taxes, income, and wealth preservation.

Because reaching your retirement number is an achievement.

Making it last is the plan.

What happens to your retirement strategy if the market drops during the first few years you need your money?

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How do you know if your business needs succession protection?If your business is one of your family’s largest assets, su...
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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09/15/2026

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

September 11, 2001, was a day that changed countless lives in an instant.Behind the headlines were families who suddenly...
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.

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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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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