Strategies

life insurance

Life insurance products are always evolving. We have access to every type of life insurance policy and the expertise to take advantage of the policyholder’s need for more death benefit, premium flexibility, refinancing a policy's loan to a lower rate and potentially earning a greater rate of return on the policy's cash value for retirement income needs.

Legacy & Estate Planning

Using life insurance for legacy and estate planning is the most efficient financial vehicle for preserving and transferring wealth to future generations and charitable organizations while effectively paying estate taxes.

premium finance

This strategy is often ideal for high-net-worth individuals to protect their liquidity to fund premiums. We are partnered with the leading banks in the industry to best serve client’s needs.

Tax-Deductible Cash Balance Plans

Many companies use specially designed life insurance policies for pension retirement plans which offers attractive benefits for both the company's owners and employees.

charitable gifting

Using life insurance in place of other assets offers many advantages for both the donor and the charitable organizations they support. Life insurance death benefits are tax free to the beneficiary and allow the donor to maximize their charitable impact.

private placement life insurance

This is a strategy for high-net-worth individuals seeking tax deferral in a wide array of customized investment options.

buy-sell agreements

Businesses use buy-sell agreements to create fair treatment for businesses that have more than one owner. Buy-Sell agreements using life insurance provide immediate liquidity, provides financial strain and ensures that ownership remains within the hands of the intended parties.

foreign national life insurance

We work with all the leading life insurance carriers that specialize in non US citizens that want to take advantage of the strength and security of the top US life insurance carriers.

annuities

Annuities are used for client's retirement planning needs. Annuities grow tax-deferred, offer lifetime guaranteed income and no downside market risk.

disability insurance

Disability insurance protects an individual's most important asset - their ability to earn a long-term income.

long-term care insurance

Long-term care insurance policies have shifted from their inception towards hybrid products that provide more flexibility and guaranteed premiums which make them more attractive for planning needs.