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Year-End Health Insurance Planning: The Annual Rush Is Here

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Every year as we approach the end of the calendar, the health insurance world goes into overdrive. Employers, employees, retirees, and individuals alike are all swept into a narrow window where critical choices must be made.

This is the season where the industry feels like organized chaos — with deadlines stacked against holidays and big decisions that can’t wait.

Employers: Annual Open Enrollment Crunch

For almost every employer, the end of the year means annual open enrollment. This is the time to:

  1. Review company health plans and offerings for 2026
  2. Decide on cost-sharing strategies and benefits packages
  3. Communicate changes to employees
  4. Allow staff to choose from multiple health and voluntary plans

All of this has to be done in a compressed timeframe, often while HR teams are juggling other year-end priorities. One missed detail can ripple into a year’s worth of employee frustration or unexpected costs.

Medicare Beneficiaries: Critical Choices

For individuals eligible for Medicare, the end of the year also means a chance to reevaluate coverage. Two big areas are front and center:

  1. Medicare Advantage (HMO) plans – Reviewing networks, benefits, and costs and electing a plan for 2026
  2. Prescription Drug (Part D) plans – Facing radical pricing increases in 2026, with many plans being discontinued altogether and most will have to carefully review their choices and make a new election

This year is shaping up to be especially tumultuous, with plan cancellations and higher drug costs driving the need for proactive reviews. Doing nothing could leave beneficiaries exposed to higher out-of-pocket costs or potentially without adequate coverage.

Exchange / Covered California Enrollees: Rising Costs Ahead

For those insured through the Affordable Care Act exchanges (ObamaCare) or Covered California in California,, 2026 brings more uncertainty:

  1. Large premium increases in many markets
  2. Potential loss of subsidies if federal funding lapses, driving up net costs for families
  3. Shifting plan designs that may increase deductibles and out-of-pocket expenses

This means individuals and families need to move quickly, shop carefully, and understand how policy changes may affect their bottom line.

Why Action Is Urgent

The theme across all groups is clear: don’t wait. Whether you’re an employer setting strategy, a Medicare beneficiary evaluating drug coverage, or an individual buying through Covered California, the clock is ticking.

Complicating matters is the fact that this all collides with the holiday season — a time when people are distracted, offices are short-staffed, and advisors (like us) are managing a flood of client needs. Waiting until the last minute only adds stress and reduces your options.

How We Can Help

We’re here to help navigate this storm. Whether it’s clarifying plan options, running cost comparisons, or walking through Medicare drug plan changes, our team is on the front lines.

Our advice:

  1. Don’t delay — start your review now.
  2. Ask questions early.
  3. Make decisions with full information, not in a last-minute rush.

And remember: at CorpStrat, we’re managing a very high volume of requests, so reaching out sooner rather than later gives us the best chance to help you smoothly.

Bottom line: This year’s end-of-year planning season will be hectic, complex, and unforgiving of delays. Don’t risk being caught off guard. If you need guidance, reach out today — before the holidays and deadlines take over.

Will Your Term Life Insurance Policy Expire Before You Do?

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Term life insurance is one of the greatest financial tools ever created. For a very modest cost, it creates instant wealth for your family if the unthinkable happens too soon. If you die early, your family is protected and financially redeemed for the economic loss of you.

But here’s the truth most people don’t realize: the majority of term life policies never pay a death benefit. Why? Because most people live past the end of their term. That means the coverage you bought may quietly expire long before you do—leaving your family completely unprotected.

Why This Matters Right Now

If you’re reading this, you’re likely a client of our agency and already have a policy in place. That’s good you’ve taken a step many never do. But it would be foolish (and costly) not to review it. As you get older, your ability to replace coverage shrinks dramatically:

  • Premiums escalate significantly as age increases.
  • Health changes can make it impossible to qualify for new coverage.
  • Waiting even a few years can turn an affordable plan into something unattainable.

The biggest mistake people make is assuming their insurance will always be there. Life changes. Health changes. And options disappear faster than most expect.

What You Can Do About It

The good news is that you have options—but only if you act before your current coverage runs out.

  • Conversion: Many policies allow you to convert term insurance into permanent coverage, often without a medical exam.
  • Refinance/Extend: Depending on your situation, you may be able to rewrite or refinance your policy for longer-term coverage.
  • Hybrid Solutions: Today’s new policies can combine lifetime death benefits with long-term care protection—so your coverage pays whether you pass away or need care in life.

These strategies ensure that your insurance doesn’t expire before you do.

Don’t Wait Until It’s Too Late

Things change in a heartbeat. One diagnosis. One birthday. One new underwriting rule—and your options could vanish. Nobody ever complained about having too much liquidity for their loved ones. But plenty of people regret letting coverage lapse.

That’s why we created The Life Insurance Audit™. It’s a no-nonsense, professional review of your current policy against today’s marketplace, so you know exactly where you stand and what adjustments, if any, you need to make.

Bottom line: Term insurance is incredible—but temporary. Make sure your policy is serving you, not silently setting you up for risk. The time to review is now!

Call or email us today at LifeAudit@CorpStrat.com to schedule a quick review. Let’s make sure your life insurance doesn’t expire before you do.

BeniComp Select: The Hidden Tax Strategy Most CPAs Overlook

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“Why didn’t my CPA tell me I could deduct that?”
That’s the reaction we hear all the time when business owners discover BeniComp Select — a little-known benefit that reimburses medical expenses traditional insurance won’t touch… and creates powerful tax savings.

Healthcare costs keep rising. KEY EXECUTIVES  are stuck paying out-of-pocket for things like dental, fertility, and LASIK. But there’s a smarter way to cover these costs without ballooning your premiums — and most advisors don’t even know it exists.

What Is BeniComp Select?

BeniComp Select is a fully insured supplemental medical reimbursement plan that reimburses expenses normally excluded from health insurance.

  • Covered items often include:
  • Deductibles and copays
  • Dental, vision, and orthodontia
  • Hearing aids, private nursing, and medical supplies
  • Fertility and weight-loss programs
  • LASIK and other elective but medically necessary procedures

If it qualifies under IRS Section 213, there’s a strong chance it qualifies under BeniComp Select.

Why CPAs Miss It

Most CPAs focus on compliance, not benefit design. Here’s why BeniComp Select stands out:

  • Tax Deductibility – Employers deduct reimbursements as a business expense.
  • Tax Efficiency – Employees get reimbursements tax-free.
  • Executive Benefit – Employers can selectively cover executives and key talent, creating a strong recruitment and retention tool.

This isn’t just another benefit—it’s a strategic compensation lever that lowers taxes, strengthens benefits, and boosts retention.

How It Works – to SELECTIVELY and DISCRIMINATELY take care of EXECUTIVES, OWNERS OF “S’ CORPS and HIGHLY COMPENSATED EXECS:

  1. Employer sets up the plan and selects covered employees.
  2. Employees submit claims for qualified, uncovered medical expenses.
  3. Employer reimburses through the BeniComp Select policy.
  4. Employer deducts costs. Employee receives tax-free benefits.

The Real-World Impact

  • Business Owners – Gain access to deductions that would normally be lost.
  • Key Employees – Get relief from real-world medical expenses.
  • The Company – Offers richer benefits without inflating salaries or paying for costly group plan riders.

It’s a win-win-win: employees are happier, the company saves money, and business owners unlock hidden tax savings.

Why Act Now

Healthcare costs aren’t slowing down. Employees expect more from their benefits, and forward-thinking companies are already leveraging solutions like BeniComp Select.

Waiting means another year of lost deductions and unhappy employees footing the bill.

Next Steps

At CorpStrat, we help business owners evaluate strategies like BeniComp Select to see if it’s the right fit.

Let’s talk — reach out today to explore how this overlooked strategy can protect your bottom line and give your team peace of mind.

Why Organizing Your Essential Documents Is One of the Smartest Moves You Can Make

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When it comes to life planning, most people focus on what they’ve set up: an insurance policy, a will, a trust. But here’s the catch: few people stop to think about where those documents are, or whether anyone else could actually find them in an emergency.

The reality? For many families, important documents are scattered everywhere:

  1. Wills and trusts in a file cabinet
  2. Birth certificates and marriage licenses in a desk drawer
  3. Deeds and business agreements in a banker’s box
  4. DMV titles in a glove compartment
  5. Insurance policies in an email inbox or with an advisor nobody remembers
  6. Passwords scribbled on sticky notes or buried in Outlook

No wonder families are often left scrambling when a crisis hits.

Why It Matters

  1. Estate plans lose impact. A carefully drafted trust is useless if the successor trustee doesn’t know it exists.
  2. Business agreements get overlooked. Buy-sell agreements, shareholder documents, or partnership records often sit unnoticed while decisions stall.
  3. Vital records slow everything down. Birth and marriage certificates, military records, and deeds are often required immediately. Losing time adds stress and cost.
  4. Duplicate effort wastes money. Families sometimes pay lawyers to recreate documents or go through lengthy processes to replace paperwork they already have.

Organization Is a Gift

Getting organized isn’t morbid, it’s a practical act of care.

  1. Your heirs won’t have to guess where things are.
  2. Your business partners won’t scramble if you’re unavailable.
  3. Your spouse or children won’t be left hunting for deeds, titles, or logins.
  4. You’ll have peace of mind knowing your planning is accessible, not just “done.”

A Practical Starting Point

Here’s how to begin:

  1. Gather. Collect your wills, trusts, insurance policies, deeds, titles, business agreements, and vital records.
  2. Centralize. Store them in one safe, organized location, a digital vault, fireproof safe, or secure cloud service.
  3. Communicate. Make sure at least one trusted family member or advisor knows what exists and how to access it.
  4. Update. Life changes. Review and refresh your files every year.

The Takeaway

You’ve worked hard to build a life, protect your family, and plan for the future. But if your documents are scattered in boxes, cabinets, and inboxes, all that effort can unravel when it matters most

Take the time now to organize your essential documents. It’s one of the most powerful gifts you can give to yourself, your family, and your legacy.