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What We Offer
We offer a range of life insurance products to help meet your needs. Continue below to learn more.
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Your mortgage could be paid in full sooner than what is often a typical 15 or 30 year mortgage. Our clients continually enjoy the maximum tax benefits (Please consult your tax and legal advisor as we do not offer any tax or legal advice) and minimal long-term life insurance costs all while having adequate insurance coverage to ensure your family will receive a deed free and clear in the event of one of a breadwinner’s death, provided that the in-force life insurance amounts exceeds the balance on the mortgage.
Everyone who we work with designs their own plan. Our approach is to show you how it all works and you decide how it best works for you.
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The death or disability of an owner is one of the greatest threats to a business. Not only can it severely impact the day-to-day operation of the business, but it can raise all sorts of business succession and estate tax problems – proper succession planning can help.
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No matter whether your business has been around for a few years or a few decades, being prepared for this phase can be critical.
Ultimately realizing the full value of the business requires an appraisal that both parties agree on (buyer and seller). A buy-sell agreement is a legally binding agreement that requires one party to sell and another party to buy a particular ownership interest in a business in the event of the death, disability or retirement of a partner or stockholder or upon certain other triggering events as specified in the contract. These agreements may be used by any type of business entity – sole-proprietor, corporation, partnership, limited liability company (LLC), etc.
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No matter whether your business has been around for a few years or a few decades, being prepared for this phase can be critical.
Ultimately realizing the full value of the business requires a plan. Part of that plan may involve the establishment of a buy-sell agreement. A buy-sell agreement is a legally binding agreement that requires one party to sell and another party to buy a particular ownership interest in a business in the event of the death, disability or retirement of a partner or stockholder or upon certain other triggering events as specified in the contract. These agreements may be used by any type of business entity – sole-proprietor, corporation, partnership, limited liability company (LLC), etc.
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Voluntary Benefits are best used when some of the top level employees do not have enough life insurance or long term care insurance protection. At the same time they are often concerned about having these benefits to carry in to retirement. We help these valuable members of any team to design their strategy to have a life insurance policy with a rider that converts it to a long term care insurance policy for a substantial savings.
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We all have goals we want to meet during our lifetime. The education of our children, a comfortable and financially secure retirement, and perhaps the purchase of a new home. The first step of estate planning is to plan for – and realize – these lifetime goals. This type of planning addresses legal and financial concerns, taking into account goals and tax considerations.