Advances in health care have increased life expectancy substantially and most American can expect to live well past age 79.
Estate planning for the stakeholders of a business cannot be effective without a clear succession plan and the financing in place for the successful execution of that plan.
Insurance policies intended to help settle estates are typically a companion to wealth transfer arrangements such as installment sales or GRATs and the policies are most often owned by trusts or other entities.
Life settlements are complex transactions whereby a policy insuring the life of an individual is sold by the policy owner to a third party.
Underwriting substantial life or disability risk is a complex art form. In addition to health assessment, avocational, political and financial risk must be measured.
Many advisors are unaware of the elements that are necessary for optimal life insurance policy portfolio construction.
We closely monitor the policies in our care and assess their efficiency within whatever structure they’re held—be that a trust, a funding plan, or benefit plan.
Long Term Care
Long term care insurance is designed to cover services and supports for people who suffer an extended, disabling health event.