Wealth Management Services
520-360-8177

Life Insurance

Life Insurance

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Life Insurance

Traditional Term or Permanent Life insurance provides liquidity for an estate, or to enhance the estate for the beneficiaries. Life Insurance as part of an estate plan provides solutions to reduce taxation and provide liquidity to beneficiaries if taxes are owed.

Premium Financing

Premium financing is used in several different solutions. This solution has been primarily used by large estate planning to eliminate the issue of gift taxes. More recently it has been used to front load life insurance policies to maximize the potential tax-free income desires of wealthy individuals.

Sum of Premium Increasing

There are two Death Benefit options available on most life insurance policies.

  • Option one – Sum of premiums increases the death benefit by the amount of premium paid into the policy allowing for a significant transfer of wealth or liquidity to the beneficiaries.

Option two – The less expensive Increasing Death Benefit Option increases the Death Benefit by the amount of cash value buildup in the policy.

Have a Question?

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