Your Assets, Protected
As your investments and wealth grow, it’s important to have the right protection in place so you don’t have any unexpected surprises down the road. Let’s work together to protect your assets through proactive planning.
As you build your wealth, it’s important to protect your assets against unforeseen events and safeguard your estate from taxes. Imagine spending years building your wealth only for it to be wiped out by an accident largely out of your control. Without proper insurance planning, this is a real possibility.
Life, Disability & LTC Planning
Few people are aware that the life, disability and long term care insurance policies they purchased as recently as five years ago might be unnecessarily costly or lacking critical new benefits due to the availability of a new generation of insurance products.
Making the most of your insurance portfolio
When you purchased your policies, you may have made certain assumptions about policy charges, interest rates, planned premiums, and other issues – but life is constantly changing.
The original reason for your purchase may still exist, yet your needs may have changed, requiring more or less coverage. That’s why it’s important to regularly review all of your personal and business insurance coverages.
We serve as independent insurance advisors, unaffiliated with any provider or product.
We provide high touch underwriting advocacy to favorably position your life insurance application.
We offer turnkey policy management and monitoring to help achieve the results you expect.
We collaborate with industry experts in advanced cases related to business planning, estate planning, tax planning and charitable planning.
Life Insurance: Ensure Your Legacy
What’s more uncomfortable than thinking about your own death? Navigating the death of a loved one while under financial stress. Life insurance policies are 100% tax free and can enable beneficiaries to help pay for funeral expenses, make up for lost income, fund children’s educations and keep up the mortgage.
Long-Term Care Insurance: Plan for Possible Future Needs
70% of current 65 year old’s will access some type of long-term care (LTC) service in their lifetime. LTC insurance can protect your wealth from rising healthcare costs in the event you need to access in-home care, assisted living and/or nursing home support.
Life Insurance in Estate Planning
The only constant is change. With evolving regulations, we use life insurance in estate planning to help protect your assets from estate taxes, which can eat up to 40% of your accumulated wealth.
In addition to utilizing the tax-free death benefit to cover any estate taxes and providing your heirs with their full inheritance, life insurance offers a stable financial safety net, safeguarding the long-term financial security of loved ones against market volatility.
Charitable Planning
If you are a high net worth individual and provide ongoing and/or planned support to specific charities, life insurance can offer a strategic way to fund meaningful charitable gifts now and as part of your long-term tax-efficient financial and estate plan.
Life Settlements
A life settlement involves selling an existing life insurance policy to a third party in exchange for an immediate payment. In cases where life insurance policies are no longer wanted, needed, or affordable, life settlements offer an alternative option to surrendering your policy or allowing it to lapse.
Book your introductory conversation with us by using the calendar below!