Insurance Planning

Insurance plays an important part in most financial plans.

Many clients consider the use of insurance products for income replacement and tax-deferred safe accumulation while business owners use insurance for succession funding and high net worth families for estate liquidation and multi-generational planning

Types of Insurance that we may offer:

  • Term
  • Permanent
  • Buy/Sell for businesses
  • Life with LTC
  • Estate planning strategies for HNW clients
  • Disability- Protects your income in the event of your inability to work prior to financial freedom.
  • Final Expense – Saves your family from financial distress when trying to cover your final expenses.
  • Long-Term Care- Whether it is Traditional, Life with LTC rider or Asset based which can be used with non-qualified or qualified funds. LTC provides financial support for Activities of Daily Living (ADL’s) in respite care, adult day care, in-home care, assisted living as well as nursing home care. It also protects your estate by leaving your assets to your heirs
  • Annuities:
    • Fixed.
    • Fixed Index Annuities and SPIA’s.
    • Complimentary Annuity reviews.