Charitable Donations through Life Insurance

Charitable Donations through Life Insurance Policies

Instructions/Descriptions

Charitable Donations through Life Insurance Policies

David and Amanda have been married for 25 years. They have two kids who are both independent and out of the house. Three years ago, the couple sold their business Retail Inc. to a multinational company.  They feel they have more than they require in term of assets and cash flow and have been giving consideration to making donations to their favorite charity; an organization called Paws and Claws that finds homes for dogs and exotic parrots.

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They were doing some research and came across an article in the Globe & Mail that shed some light on ways how charitable bequests can be made through insurance policies. The couple always had a risk management plan in place but after the sale of the business they are considering using their life insurance policies to plan a charitable gift. They are somewhat confused however as there are different implications to making such bequests and would like to speak to you in order to get some additional information. Below is a list of the insurance policies that the couple own:

Amanda’s Whole Life Insurance has an outstanding policy loan totaling $15,000, which she intends to pay back, but she just has not had the time. The couple has come to you to discuss how these donations can become part of their Estate Plan.

Today is January 1^st.

1. If Amanda and David wanted to transfer the ownership of all 5 policies to Paws and Claws today through an absolute assignment, calculate the total amount of their donation receipt they would be eligible to receive.

(2 marks)

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2. If David and Amanda decided to complete an absolute assignment of both their term policies and Amanda’s universal life policy but continue to pay the premiums indefinitely, calculate their eligible donation amount for the year. (2 marks)

3. If David decides to name Paws & Claws as the beneficiary of his term policy and removes his son as beneficiary, calculate the donation amount in the year of David’s death (ignore premiums). (1 marks)

4. What is the best course of action David can take to ensure that he becomes eligible for the donation in the year of death of the life insured (Amanda) on his term life policy? (1 marks)

5. David and Amanda decide to complete an absolute assignment as eluded to in question #1, the couple have incomes of $200,000 and $90,000 respectively. Which of the following statements are pertinent to their circumstances? (2 marks)

6. Based on your answer in question #2, calculate the donation tax credit assuming the couple claims the donations individually – income threshold for the year is $202,800. (2 marks)

18#

Sources: 10

Subject: Other

Topic: Homeland Security – Intelligence

Paper details:

1. Introduction: Develop a research paper to address domestic intelligence collection and analysis of your selected terrorist group from your Red Cell Midterm Assignment. Building on the information that you started in your midterm, prepare a new research paper that addresses which intelligence collection disciplines and agencies are essential to effectively collect on and analyze information about the red cell threat you chose in 5-7 full pages of content (not counting title or reference pages). ———————————————————————
2. Domestic Intelligence Collection and Analysis: Specify the most effective intelligence collection and analysis methods against the terrorist organization likely to conduct an attack within the United States that you selected by clearing answering all 3 of the following: ———————- A) What domestic intelligence collection efforts would be best utilized on the organization you selected? (Intelligence Collection disciplines discussed in week 5) Do not focus on overseas intelligence collection programs; this is an HLSS course and we are focused ONLY on collection within the U.S. homeland. ——————————- B)

Which members of the IC would be the best collectors of intelligence on this particular organization within the country? (The intelligence and law enforcement agencies of the intelligence community) ———————————————- You may address agencies that collect overseas and within the homeland as the terrorism nexus overlaps both domains. You may also consider some of the field agencies of DHS (since DHS I&A is just an office and does not collect) as some of the operating components do collect like ICE, CBP, USCG, and the Secret Service (who does focus on terrorism financing).

Again, this is a Homeland Security course, so focus on the agencies that can support the homeland (like the FBI), NOT primarily overseas intelligence collection of foreign targets. Clearly focus your paper only on domestic intelligence and law enforcement and remember the CIA does not collect intelligence on Americans domestically, they are a foreign intelligence agency (as are ALL of the military intelligence branches). See the readings from this link to Executive Order 12333 (2008) https://fas.org/irp/offdocs/eo/eo-12333-2008.pdf. However, the NSA is very different as they can and do collect both foreign and domestic communications (when authorized by a court [like FISA] or under certain conditions by the Attorney General to support the FBI). See https://www.nsa.gov/about/faqs/sigint-faqs.shtml —————————————————

1. C) What intelligence analysis strategies would be the most effective and why? (choose only from the analytical strategies and specifically the reading A tradecraft primer: Structured analytic techniques for improving intelligence analysis or found at this link https://www.hsdl.org/?abstract&did=20945). Remember that critical thinking (brainstorming) and situational logic DO NOT in themselves constitute an analytical approach — be specific and pick at least two specific strategies you think will help analyze what can be collected on a clandestine terrorist group attempting to attack the U.S. homeland. ——————————————-

Note: Only focus here in this progress paper on intelligence collection disciplines, the most appropriate IC agencies to play a role, and the most effective analytical techniques to employ in this scenario. As a paper for this HLSS course, these questions are to be answered as it relates to collecting and analyzing intelligence on the terrorist group plans and activities within the U.S. as they prepare to attack. Do not address how to stop this attack. ———————————————

Technical Requirements: Make sure you read the instructions carefully and that you focus your paper on answering the assigned questions. This assignment is a research paper, not an opinion paper, so you need to use scholarly sources to support your thesis. Use formal academic writing and do not use the first person such as ‘I’ or ‘my’; Make sure you use APA style 7th edition in-text parenthetical citations at the end of every sentence where you are quoting another’s ideas (or any information) that is not your own thoughts and words, like this (Bergen, 2015, para. 14).

Citations are required for paraphrases as well, but not the page or paragraph number in that case. You are welcome to use supplementary sources to compliment the assigned readings based upon your research, but make sure you use only scholarly and credible sources (do not use open websites and you never want to use Wikipedia for a college level paper). Also, dictionaries and encyclopedias as well as general news sites (like CNN) are NOT appropriate for college level research papers. A good example of what NOT to use is NSA.Gov1.info — not only is it not the NSA webpage, the site loaded with bogus information and if you scroll down to the bottom it says “This is a parody of nsa.gov and has not been approved, endorsed, or authorized by the National Security Agency or by any other U.S. Government agency.”

Also, do not cite the weekly lessons as those are only basic information to start off the topic with. You need to use mainly scholarly and reputable academic books and journal articles. For formatting, the best option is to use the attached example paper as a template (for formatting purposes only). —————————————————- Academic Requirements: – Make sure your paper content meets the minimum acceptable length listed above with FULL pages of text, not including the Title or Reference pages. – Written according to the APA 7th edition style and format (parenthetical in-text citation formats only; not end notes or footnotes); – Use Times New Roman 12 point font; – 1 inch margins on all sides with no paragraph indentation other than the first line by .5 inches

Double space all text (no extra lines or spaces after a paragraph or section headings and no added font sizes or lines either) – A respectable number of credible resources used, cited in the paper as in-text citations, and included on the reference page. A good rule of thumb is at least 2 scholarly sources per page of content (so a minimum of 2 new scholarly sources per page in a research paper is acceptable for this assignment). Use those academic and credible sources provided to you throughout the course, as well as other scholarly material obtained from conducting your own research.

Freely utilize appropriate and reputable academic sources, summarize in your own words and cite accordingly. You are free to use material from your own forum posts from this course in your paper, and you do not have to cite yourself if you do so. However, do not cite the lessons in your paper as this is only basic information and not meant to be cited in a research paper. – The paper must be free of typographical, spelling and grammatical errors (make sure to proof read before submission) finally, be mindful of excessive direct quotes as the paper should not contain just a string of quotations from sources. “Quotes cannot make up more than 10% of the text of your assignment.” So paraphrase where you can and provide your own analysis and synthesis of your research (direct quotes only when necessary to support your thesis).

Charitable Donations through Life Insurance Policies

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