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