Life Insurance & Annuities
Life Insurance & Annuities
Life insurance has the unique ability to offer a vast array of both legacy and living benefit options that are remarkably tax and cost-effective.
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Life insurance is an effective solution to help your family or other financially interested parties deal with the financial impact of your untimely passing.
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Life insurance is absolutely an excellent tool for dealing with contractual obligations and assisting your family through financial dilemmas.
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Making sure you have a financial professional that is independent and impartial is paramount. We see a dramatic percentage of new clients who overpaid for their coverage from a previous agent or advisor.
Common misconceptions cause people to overlook the most attractive component of life insurance: tax efficiency. Both living or not, the benefits can be structured tax-free, potentially with no income and no capital gains – whether living or not. In other words, the cash values that grow or the benefits paid out at death may be free from taxation if structured properly. (IRC 7702)
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Life Insurance: Individual, Second to Die and Multi-Life
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Life Insurance: Term, Universal, Whole, Indexed, Variable
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Private Placement
Annuities
Most people share the same goal of long-term wealth accumulation. Some of them have no problem watching their investments bounce up and down from day to day, while risk-averse investors or those nearing retirement generally can’t withstand short-term volatility within their portfolios. If you are this type of investor – or one who has a moderate risk tolerance – annuities can be a valuable investment tool.
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Enhance fixed assets with attractive guaranteed returns.
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Create streams of guaranteed income.
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Defer taxation.
Our Annuity specialists can provide information on the top annuities in the industry along with many other services, including significant back-office administrative support.
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Annuities: Fixed, Indexed, Variable, RILA
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Private Placement
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Defer taxation.