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Our independence allows us to access a wide range of insurance products through many underwriters in accordance with our ‘client first’ philosophy.  These range from traditional life, disability, and long-term care insurance to more advanced designs required in business and estate planning.

Our process helps identify areas of risk and determine if the need is currently covered, additional coverage is needed, or maybe there is too much coverage.

We believe there are three reasons to own life insurance:

  1. Create an Estate: you need liquid assets to support your family and or pay off debt if something happens to you.
  2. Pay for Estate tax: your wealth has accumulated enough for an estate tax liability, and not enough liquid assets to cover the liability and support your surviving family.
  3. Investment: investing in insurance policies does grow tax-deferred, however the costs in an insurance policy are typically much higher than owning them outright.

As part of our consulting, we offer Property & Casualty policy reviews, working with an outside agency, who can shop across a variety of carriers, with no sales pressure.

The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.

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