Let Properly Designed Life Insurance Protect Your Lifestyle

​Properly designed insurance (life, disability and long-term care insurance, and annuities) can help protect your lifestyle and your business in tax-efficient and cost-effective ways. But sensible insurance planning involves knowledge of the "science" behind insurance. It's not rocket science, but it is a science – like risk analysis, carrier due diligence, product selection, policy design, underwriting, knowledge of the tax code, and so on – and it requires considerable expertise and experience. We can help you navigate through the process and select carriers and products that best fit your specific needs.

Protect Your Estate

Life insurance is a highly tax-efficient and cost-effective tool to provide cash to your heirs to pay estate tax. This is especially true if most of your assets can't be readily converted to cash. ​If your estate owes tax, and there isn't enough cash to pay the tax, how will your heirs come up with cash? Well, they might end up being forced to sell your (hard-earned) assets at a deep discount. So, if you are rich but cash-poor, you've got some planning to do. ​

Protect Your Business

As a business owner, your business is likely the most valuable asset you own and it's worth protecting it. With insurance, you can "buy time" if you or your key employee dies or becomes disabled. You can also fund a buy-sell plan, providing tax-free funds to the surviving owner(s) to buy out the deceased or disabled owner. And to attract and keep key employees, you can provide executive benefits designed especially for them.

Protect Your Family

Whether or not you'll achieve your goals and dreams is predicated largely on one thing: your ability to earn income. If you die too soon (or live too long!) or become too sick to work, your plan will likely go out the window. It's actually quite simple. No income = no plan. Fortunately, you can shift a lot of these risks to insurance companies. They are in the business to assume such risks and absorb losses for you. ​

What Properly Designed Life Insurance Can Do For You

Taxable Estates

​Leave cash to your heirs so they can pay estate taxes

Equalize inheritance among your children

Maximize generational wealth

Provide financial security for your child with special needs

Keep costs of long-term care from depleting your assets 

Get guaranteed lifetime income to plan for longevity

​Bypass inherited IRA tax rules

Businesses

Attract and keep your executives with a superior compensation package 

Carve out a retirement plan just for your executive team
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Carve out life and/or disability insurance just for your executives
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Protect the value of your business so you can sell at a premium later

"Buy time" if you or your employee dies or become too sick to work

Provide cash for you to buy out your partner if they retire, die or become too sick to work

High Income Earners

​Protect your family from financial ruin if you die too soon

Continue your income if you get injured or become too sick to work

Add a low-volatility, tax-efficient asset class without market risk to your investment portfolio

Save money without being taxed on the growth

Withdraw money without being taxed 

Save money without contribution limits, early withdrawal penalties or required minimum distributions