Planning Strategies using Life Insurance

Life insurance can help cover a broad range of financial objectives no matter what stage in life you are in.

Financial Security for Your Family.

Life insurance is a great way to replace income lost due to an unexpected death of the primary breadwinner, ensuring the family can continue to cover financial obligations and maintain standard of living.

Supplement Retirement Income

Tax deferred growth of the cash value in a life insurance policy can be taken out and used at retirement. High cash value accumulation life products can be designed to earn cash value at a particular age or within a period of time.

Plan for Your Children’s Education.

College and university tuition costs are higher than ever and will continue to increase. Ensuring your children’s future is your primary goal, life insurance can help you achieve this with death benefit protection and cash value growth.

Real Estate / Mortgage Loan Protection.

Protect your most cherished asset with a life insurance policy. Cover the remaining or unpaid balance of your home’s mortgage or real estate loan. Structure your life insurance policy to accelerate the payoff period.

Estate /
Tax Planning.

As the saying goes, “Nothing is certain but death and taxes”, life insurance can help you can for both. Tax free death benefit provides the liquidity needed to cover any tax liability without having to sell off existing assets.

Dependents with Disabilities.

Life insurance can provide for children or family members with disabilities upon death of a parent or guardian. Life insurance funded trusts can be set up to cover medical and living expenses.

Life Insurance for Key Employees

A business is only as good as the people working there, losing a key employee can hinder a company’s long-term success. Small to large fortune 500 companies use life insurance to incentivize skilled individuals and safeguard their business.

Life Insurance for Small business Owners.

Life insurance can ensure a smooth transfer of ownership upon the death, disability or even retirement of an owner. Permitting existing owners to retain control of the business.