Life Insurance

Life insurance provides an essential foundation of financial security and wealth management for many of our clients. It protects their financial resources against the uncertainties of life and provides transition assistance of their assets to future generations. Because of its potential high yield and tax-favored benefits, life insurance can be used to solve some perplexing income-tax, estate-tax, and gift-tax planning challenges in a cost effective manner. Life insurance is also used to leverage many other estate planning techniques to guarantee the success of an estate or business succession plan andmake the plan work more efficiently.

Life insurance is a unique financial instrument and is often under-utilized as an asset that provides stability and performance guarantees in otherwise volatile situations. Choosing and structuring a life insurance product is an important and complicated process. The life insurance industry has changed dramatically over the last decade. Products are now more complex, competitive and creative; and buyers are much more educated and sophisticated.