Because your family’s financial confidence is the most important service we offer, we are firm believers in insurance as an extremely valuable asset with an important place in most people’s portfolios. We work with our clients towards protecting not only the totality of their assets but more importantly, their family’s ability to complete their plans, should unfortunate events intervene in their lives and in their planning process.
We expose our clients to all of the uses of insurance as planning tools, not only as protection assets, but also as tax management vehicles, complementing the accumulation portion of their portfolios.
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.