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Life Insurance

True Protection

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

Permanent Life Insurance

Universal life insurance policies don't expire. In addition to death benefits, we specialize in policies which also offer growth components to provide tax-free income for life

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Term Life Insurance

Term life insurance offers inexpensive death benefits. The policy expires after an specified time period, and you may have the option to renew it. Term insurance is great for mortgage protection, and income replacement

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Long-Term Care Insurance

75% of Americans find themselves unable to afford long-term care. The average cost of long-term care in the US is over $8,000/month. Few can afford that added expense, especially for an indeterminate length of time. Long-term care insurance will help cover assisted living, in-home care, memory care and skilled nursing

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