Each individual or family has different needs. When used properly as part of a well-balanced strategy, life insurance can be a critical piece of a complete financial planning picture. We will help you explore a variety of life insurance solutions designed to protect your family.
We’ll also review any existing policies you may hold, and help take the necessary steps to maximize coverage while minimizing premiums.
Wealth Inheritance Transfer
- Are you a financially independent individual who is concerned with providing the potential of wealth to the next generation (children and grandchildren)?
- Are you looking to provide values, responsibility, control, and diversification on the wealth that you created?
By using properly owned and properly designed life insurance you can control and leverage wealth on a tax favored basis in the estate or out of the estate (trust) by focusing on the death benefit internal rate of return.
Personal Protection Through Life Insurance
Utilizing a variety of insurance products allows you to protect your family and wealth. Because your insurance needs change through the different phases of your life we represent a variety of companies to assist you in the areas of Life, Disability, and Long-Term Care Planning.
To protect your loved ones in the catastrophic event of your death.
Long Term Care
Coverage that provides nursing-home care, home-health care, personal or adult day care usually for individuals above the age of 65 or with a chronic or disabling condition that needs constant supervision. LTC insurance offers more flexibility and options than many public assistance programs.
A policy that pays benefits in the event that the policyholder becomes unable to work due to illness or injury.