Life Insurance

Term Life – Life insurance policies that last for a specified term of time (1,5, 10, 15, 20, 25, or 30 years). Typically, term insurance provides the most cost effective way to obtain coverage for a limited amount of time to protect loved ones in the case of untimely demise. This is most often used to pay off any remaining mortgage and final expenses/debts, as well as provide a replacement income for loved ones. Also, term insurance is great for people who may not currently have the resources to obtain permanent polices but want to lock in their insurability before their rates increase due to age or new health issues. We represent the major carriers (over 50) and will find you the best coverage based on your specific goals. We will also review current policies to ensure they are the appropriate for you and to ensure their internal expenses, premiums, and performance are competitive with the constantly evolving life insurance market.


Permanent / Whole / Universal Life – These policy structures are used by many Business owners, Executives, Doctors, Athletes, and Entertainers, as a way to obtain permanent life insurance coverage and allocate a specified amount of personal or company resources to a future pool of money. These policies place funds into a tax advantaged plan and also provide life insurance protection until the insured passes away... whether it be at age 50 or 120. The cash that accumulates inside the policy can be used at anytime in the future to start a business, fund a child’s college plan, or help with retirement. All of the money is asset protected and creditor proof (from bankruptcy, lawsuits, etc) Ask to see a comparison of how your assets will build in a tax-advantaged life insurance plan vs. those same assets positioned outside the plan in the same way (stocks,bonds, mutual funds).

Life Insurance with the benefits of Long Term Care- A recent innovation in the life insurance industry allows owners of a permanent life insurance policy to have advanced access to a cash flow stream from their death benefit to cover expenses of in-home or nursing home health care if they are unable to perform 2 or 6 activities of daily living. Many people like this option because they are able to save the money from long term care insurance premiums, and the benefits accrue instead to the life insurance coverage in the case that a long term care event never occurs.

Premium Finance – The most common structure is a method of buying permanent life insurance that leverages low borrowing rates against higher credited rates being earned by the equity or cash value within a policy or alternative investment. Premium financing may enable people with high net worth to purchase life insurance without liquidating other investments or otherwise changing their normal cash flow. Through this innovative financial arrangement, you may be able to borrow the funds to pay life insurance premiums. The insurance policy protects the net worth you have built up over your life time and assists in the passing of your financial legacy to future generations – all without altering your other financial strategies.