Optimize Wealth Through Life Settlement Planning
Thoughtful Analysis to Help You Assess and Maximize Policy Potential.
Your Life Insurance Policy is an Asset That Can Be Sold for Cash—or Keep a part of it Without Paying Another Premium
Is Your Life Insurance Policy No Longer Needed or Affordable?
A life settlement is the sale of a life insurance policy to an institutional money source for substantially more than its cash surrender value. There are a number of factors that motivate seniors to sell their policies, including:
Your estate planning needs have changed, and coverage is no longer necessary.
Life insurance that was required for business purposes is no longer needed.
Expensive premiums are impeding your ability to take care of basic living needs.
Your priorities have changed, and you want to travel and enjoy retirement.
You need money for medical expenses or to finance long-term care.
You would like to reduce your coverage by selling a portion of your death benefit.
You want to help your grandchildren pay off their student loans.
We Help People Improve Their Financial Future
Estate Preservation
Plans that reduce estate tax liability and costs. Our comprehensive analysis provides creative ways to lessen the estate tax burden.
Business Benefit Plans
Strategies to provide valuable benefits to owners and help attract, retain, and reward key employees.
Business Succession
Strategies that transfer company ownership to future generations without burdening the business or its remaining shareholders.
Education Funding
By combining current and future insurance needs with the growth of assets, we can help to fund higher education.
Long-Term Care Planning
Plans to help offset long-term care expenses not covered by health insurance.
Wealth Preservation
We help you understand the concepts & strategies to provide personalized, appropriate plans for wealth preservation.