True Protection
We use life insurance strategies to accomplish a variety of goals for our clients. We offer permanent life insurance, term life insurance, long-term care and disability policies to meet your individual and family needs. We specialize in Indexed Universal Life (IUL) which offers index-powered growth while being hedged to protect your principal.
One of the biggest benefits of life insurance is that it grows tax-deferred, and the cash value can be accessed while you're alive tax-free. Of course the death benefit passes to your heirs tax-free as well, providing a complete tax-sheltered asset class for you and your loved-ones.
At a high level the benefits of life insurance are:
- Tax free income (think: like a Roth IRA for the wealthy)
- Estate planning
- Income replacement in the event of death
- Downside-protected growth
- Legacy building
- Charitable giving
- Tax-free saving for children's life events:
- Private & advanced education
- First car
- First home
- Wedding/Honeymoon
- Child birth
- Retirement