SERVICES
What is Life Insurance offer?
- > Protection: The death benefit to your beneficiaries is generally income-tax-free.
- > Accumulation potential of your cash value can be used when you alive.
- > Flexibility: As long as your policy is properly funded, you can pay premiums when you want and access your available cash value throughout of your life.
Accelerated death benefit riders, offered with life insurance, give you access to your death benefit when certain conditions are met. You may hear accelerated death benefit riders referred to as “living benefit riders” because they protect you while you are still alive. We offer three living benefit riders: the critical illness, chronic illness and terminal illness riders.
Advanced financial strategy that allows individuals to purchase the life insurance they need by financing premiums, clients may be able to limit their initial out-of-pocket costs, retaining their personal capital for other personal and business purposes. This policy widely used for estate tax planning.
- > Cover estate taxes and thereby avoid liquidating assets or disrupting an investment portfolio
- > Retain control of significant or illiquid assets, such as real estate assets.
- > Provide funds to sustain a business
- > Avoid having to sell assets—and potentially triggering a taxable event—to cover the cost of the estate taxes.
- > Allows for clients to obtain needed coverage without liquidating other assets. The main benefit in premium financing is the avoiding the opportunity cost in paying out of pocket. By using other people's money (leveraging a lender's capital), clients can retain a significant amount of capital known as retained capital.
- > One way to protect future heirs is to insure your life so that, at your passing, estate taxes can be paid with the proceeds from a high-value life insurance policy.
Annuities are used mainly to supplement more traditional sources of retirement income such as Social Security and pension plans. Common features include: Tax-deferred growth. You will pay no income taxes on the earnings from your annuity investments until you begin making withdrawals or receiving periodic payments.
Benefits
- > Provide regular periodic payments to the annuitant and are often used in retirement planning
- > Provide consumers with guaranteed income for life.
- > Provide regular periodic payments to the annuitant and are often used in retirement planning.
You deserve exceptional legal services, and you need them to be provided in an efficient, transparent way so you can maintain accountability to your clients at all times. level of service. Estate planning is a critical component of your estate, helping you to by your existing assets or bring new assets under your advisement with efficient, high-quality service with legal services in a timely manner will help you focus on the priorities for your business.