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Insurance Design

Captive Insurance, Indexed Universal Life and Premium Financing are just some of the tools that we use in designing customized programs for our clients that provide risk management, tax-free retirement, predictable revenue streams and living benefits.

Captive Insurance is an alternative form of risk management that is becoming a more practical and popular means through which companies can protect themselves financially while having more control over how they are insured. Learn more. 

Indexed Universal Life (IULs) offer flexible premium, flexible death benefit, cash value growth and downside protection. They may be well suited for those who need death benefit protection but are focused on cash value accumulation. They can also offer living benefits which may serve as an alternative to long term care. Learn more here and here

Premium Financing- In order for high net-worth clients to grow and protect their wealth, they need to take advantage of leverage and often look for opportunities that yield returns greater than the cost of capital. Many need life insurance to address the need for inheritance, business and tax issues, but prefer to keep the funds that would be used for premiums in other investments.

  


Protecting Those Who Matter Most

The importance of life insurance, how it works, and how much coverage you need.

Assess Life Insurance Needs

How to help determine life insurance needs to provide for your family after you pass away.

Are you, your family and business protected? Contact us to review your coverage.