Advanced Planning

Advanced Planning

Life insurance can do a lot more than provide money when you die.  With the proper products, benefits can be tax-deferred or even tax-free.  Product options, called riders, can extend the reach of a product, offering services such as funding for long-term care assistance, disability protection, decreased premiums, additional payouts and more.

Helping a Business

Helping a Business Thrive

Whether you're a business owner trying to reach new heights, or one who's ready to retire, insurance products can help.  Insurance can help protect against the loss of a key employee, provide benefits for your executive team, protect the value of your business and more.

Protecting a Legacy

Protecting your Legacy

You've worked hard in life; protect what you've achieved! From maximizing the impact of assets during your life, to minimzing taxes at death, getting your estate in order is vital.  And it's more than just money. Make sure you pass on values, have the right legal documents in place, ensure family harmony and make an impact for generations.

charitable giving

Donating to Charity

As our friend Dan Nigto says, you need to avoid being an "accidental philanthropist." Make sure taxes are working for you instead of simply giving your money to the government. Through trusts and structured planning, your hard-earned dollars can go further to help a worthy organization.

 

Take Action

There are more possibilities than we could ever list here. Get in touch with your financial advisor today and ask how an insurance policy can help you achieve your financial goals.

Don't have an advisor? Give us a call at (800) 589-3000.  We'd love to listen to your needs and set you up with someone who can help guide you.

Resources for Advisors

Tax Reference Guide

Get all the important tax-planning information on one, easy-to-use sheet you can use to generate opportunities with your clients.

Tax Reference Guide

Employer Owned Life Insurance

Review the details regarding IRC sections 101(j) and 6039I to make sure your clients are not subject to taxation.

Employer-Owned Life Insurance

Grantor Retained Annuity Trust

Explore the details of executing a tax-efficient, established technique for transferring wealth to the next generation.

GRAT