Since 1969 we have consistently improved the financial outcomes of our clients
by growing, protecting and transferring assets with the least amount of expense, taxation and risk.
High Net-Worth clients, Wall Street and large institutions understand what we have been saying for years – life insurance is one of the greatest financial instruments available. There is a reason that the richest Americans own over half of the tax-free investment gains built up in life insurance and that banks have over $150 Billion in cash value life insurance.
Today’s life insurance products can produce attractive, income- tax-free IRRs and provide
immediate liquidity to the policy-owner at the death of the insured(s). Life insurance can help reduce the volatility of a family’s net worth, while providing an important liquidity hedge for wealth transfer strategies that take time to mature, and help to prevent the forced sale of assets that might otherwise be required to fund estate tax liabilities at the death of an insured.
Insurance products are complex financial instruments, heavily impacted by interest rates and requiring proactive management.In conducting Life Insurance Analysis, we use our breadth of knowledge to objectively assess product pricing, design and adequacy of funding, often identifying newer products with superior features and/or cost savings. This powerful information enables the insured, their families and their advisors to determine whether they should pursue a different strategy to enhance or update the coverage provided by their insurance portfolio.
