Insurance Planning

As we grow older, get married, build families and start businesses, we realize more and more that life insurance is a fundamental part of having a comprehensive financial plan.  No amount of money can ever replace a person. But more than anything, life insurance can help provide protection for the uncertainties in life.

Life insurance has many unique characteristics that can make it an appropriate investment to consider, such as:

  • Life insurance provides payment at the death of the insured.
  • Policy death benefits are received income-tax free.
  • Policy cash values accumulate on a tax-deferred basis.
  • Policy cash values may be accessed on a tax-advantaged basis.

Other possible uses for life insurance:

Business Personal Charity
Key Person Family Protection          Wealth Replacement
Executive Recruitment/Retention College Funding Gift Creation
Business Continuation Debt Protection Gifting Leverage
Succession Planning Wealth Creation  
Debt Protection Estate Tax Liquidity  
  Gifting Leverage  

 

 

 

 

 

 

 

 

 

As an independent financial planning firm, we represent our clients and their interests rather than any specific company. While some financial institutions recommend investment products that are manufactured by the parent of subsidiary business entities, we have no such ties. Our independence is vital to delivering objective, unbiased recommendations.  If you are interested in a complimentary life insurance analysis, please call our office.