We strive to educate our clients and their other professional advisors on wealth insurance - the ever-changing insurance marketplace - so they can be knowledgeable and sophisticated insurance consumers. Of course, no single solution will work for every client.
Our knowledge and experience is focused in several areas:
- We utilize insurance product offerings from over 50 highly rated insurance carriers.
- We analyze the cost structure of insurance policy designs; look closely at insurance carrier financial strength; focus on the internal rate of return or IRR; and look at both guaranteed and current cost assumption approaches.
- We focus on various insurance options based on risk tolerance, time horizon and ever-changing goals.
- We follow UPIA (Uniform Prudent Investor Act) guidelines of annual policy reviews that trustees must follow in their role of fiduciary.
- We also provide the same type of analysis for clients’ disability and long-term care insurance needs.
Insurance solutions we offer:
- Trust Owned Life Insurance (TOLI) procedures
- Life insurance as an asset class
- Premium financed life insurance
- Buy/sell and key person insurance
- Disability and long-term-care insurance analysis
Premium financed life insurance
Using banks' money and intrinsic business value to provide leverage and enhanced retirement income.