Life Insurance
Business
Group Insurance:
A popular, low-cost, employee benefit. Group life can provide basic coverage for final expenses, reward performance, or allow an employee to build their own insurance package.
Key Person Insurance:
Insure your business against the cost of losing individuals essential in daily operations. This insurance provides capital to defray the cost of seeking out, and replacing, high value employees.
Buy-Sell Insurance:
Avoid being forced to liquidate assets, finance from a position of weakness, or take on unwanted business partners, due to the loss of an owner. Owners in any partnership arrangement should have a well thought out succession plan, in writing. These plans are most often funded through insurance, which provides leverage, and access to large sums of capital, needed to buy a deceased partners interest, from their heirs or estate.
Corporate Owned Life Insurance:
Some coverage scenarios show it beneficial to have an entity, instead of an individual, own the life insurance policy. This dynamic can hold true for self-employed, small businesses, and large corporations. If your tailored solution calls for corporate, or entity owned coverage, you will want the experienced guidance we provide.
Individual
Family Protection:
Insurance can provide capital needed for final expenses, college tuition, income replacement, debt alleviation, and long-term care expenses. We provide a tailored strategy to determine how much, and which type, or types of insurance are most suitable for each client’s needs.
Estate Protection:
Protect your estate from burdensome death taxes. These taxes can be sizeable, and are often due with short notice, at the most inconvenient time…, when a family has lost a loved one. We have strategies from simple to sophisticated, including survivorship designs, and trust owned policies. The leverage of insurance, and immediate access to capital needed to pay estate taxes, can provide a family with both comfort, and security, in a time of confusion, and grief.
