Frequently asked questions

No. The Generational Gifting Concept platform is provided as a free educational resource to the public.

Meeting with a Generational Gifting Concept Practitioner does not involve a consultation fee. If you choose to proceed with implementation, you will be responsible only for the premiums due on any whole life insurance policy issued by an insurance company.

If you elect to engage additional services such as trust creation or planning outside the Generational Gifting Concept, those services may involve separate fees and expenses at the Practitioner’s discretion and are independent of the platform.

Practitioners are typically compensated by the insurance companies that issue the whole life insurance policies used in a Generational Gifting Concept implementation, in accordance with applicable insurance regulations.

This compensation structure allows the platform to offer educational resources and access to Practitioners without charging platform or consultation fees. Any additional products or services outside the scope of the Generational Gifting Concept may involve separate costs determined by the Practitioner.

No. The Generational Gifting Concept platform does not require course enrollment or membership fees. All educational content is available freely, allowing you to explore and learn at your own pace without obligation.

The platform is available throughout all 50 U.S. states, the District of Columbia, and Puerto Rico. The platform is not available outside of the United States or Puerto Rico.

No. Both U.S. citizens and non-U.S. citizens may be eligible to implement the Generational Gifting Concept, subject to the underwriting guidelines of the insurance company issuing the policy.

All Generational Gifting Concept Practitioners hold, at a minimum, an active stateregulated life insurance license. Practitioners are appointed by, and compensated through, the insurance companies that issue the policies.

In addition, Practitioners complete a comprehensive internal training program to earn the Generational Gifting Concept Practitioner designation, focused on the design and implementation of multi-generational gifting strategies using life insurance.

No. Practitioners do not provide tax or legal advice. Individuals are encouraged to consult with their own qualified tax and legal professionals regarding their specific circumstances.

The platform is available in English, Spanish, Korean, Mandarin, Cantonese, and Hindi. If you require assistance in another language, please email info@generationalgifting.com, and we will make reasonable efforts to connect you with a Practitioner who can assist.

You may request a Practitioner by completing the form on our homepage. A Practitioner will typically reach out within 48 hours.

You may complete the form at the bottom of this page, and a member of our platform team will follow up.

Most meetings are conducted via Zoom to accommodate scheduling and geographic flexibility. In-person meetings may be arranged at the Practitioner’s discretion.

Complete the form at the bottom of this page, and an onboarding specialist will contact you to discuss qualifications, licensing requirements, and next steps.

Practitioners undergo a rigorous vetting process that includes licensing verification, regulatory review, and evaluation of professional standards. Only those meeting these criteria are approved to operate as Generational Gifting Concept Practitioners.

Insurers are evaluated using a multi-layered approach that includes reviewing ratings from recognized agencies such as A.M. Best, Fitch, Moody’s, and S&P Global. We also review publicly available financial information related to insurers’ general investment accounts to assess long-term financial strength.

While no insurer’s future performance can be guaranteed, this process helps identify carriers with demonstrated financial stability.

No. Dividend-paying cash value whole life insurance has been used for estate and wealth transfer planning since the 1800s. The Generational Gifting Concept platform provides an educational framework designed to help families understand how these policies have historically been used in multi-generational planning.

Within the Generational Gifting Concept platform, dividend-paying cash value whole life insurance serves as the primary vehicle discussed. Other planning strategies and financial tools exist but fall outside the scope of the platform’s educational focus.

The platform is designed as a long-term educational resource for families interested in multi-generational gifting strategies.

Eligibility is determined by the underwriting guidelines of the insurance company issuing the whole life policy, which consider medical and financial factors. Approval cannot be guaranteed.

If you choose not to proceed after a policy is approved, there is no penalty or fee. Practitioners may request that applicants pursue the process only if they intend to complete implementation.

Eligibility may begin as early as 16 days old, depending on the insurer’s guidelines.

In many cases, insurers require the same coverage amount for siblings within a single gifting plan. Premiums may vary based on factors such as age and gender, subject to insurer rules and state regulations.

Insurers establish minimum and maximum coverage limits, each associated with different premium levels. Available options are reviewed during the educational process.

Life insurance policies are not deposits or obligations of any bank or credit union and are not insured by the FDIC or NCUA. Policy guarantees are backed solely by the claims-paying ability and financial strength of the issuing insurer.

No. Once issued, policy guarantees are contractually defined and cannot be altered by the insurer, subject to the terms of the policy.

No. Dividends are not guaranteed and depend on the insurer’s annual financial performance. Some insurers have long histories of paying dividends, but past performance does not guarantee future results.

If a Practitioner is unable to continue supporting you, another qualified Practitioner will be assigned, and relevant case documentation will be transferred to ensure continuity.

You may email info@generationalgifting.com with your concerns, and we will make reasonable efforts to address the issue or assign a different Practitioner.

If the platform ceases operations, any issued life insurance policy remains in force and governed by its contractual terms with the issuing insurer.

Whole life policies may generally be surrendered in accordance with policy provisions. If owned by an irrevocable trust, restrictions may apply.

Some Practitioners hold additional licenses and certifications and may offer services outside the Generational Gifting Concept. Any such services are independent of the platform and may involve additional fees.