Legacy Planning and Asset Protection Strategies

Life Insurance and Long Term Care Insurance can play a significant role to help provide financial security for your loved ones. We can review your existing coverage to make sure it still fits with your overall planning or we can explore new coverage. Being independent, we have access to most carriers and can "shop" your coverage needs to find appropriate and efficient coverage.

Many don't realize that viewing Life Insurance as an asset class just like any other piece of your portfolio is important and could help mitigate some of the taxes, risks or shortfalls that might be present when you pass.  Life Insurance is one of the only assets that can currently pass to beneficiaries tax free when structured properly.  

Long Term Care Planning has changed significantly over the past several years.  There are innovative "hybrid" products that now offer benefits that can be used for LTC purposes in addition to the standard types of policies.  Long term care coverage can act as a pool of money to be used in the event that nursing care is needed.  This typically means that you might not have to tap into your own resources as quickly.

Implementing and coordinating these additional layers of protection help provide a better understanding of the potential risks you or your family could face.  They can also provide additional options and strategies to try to retain your assets so they can be passed on to loved ones. 

Learn more by following these links:

Life Insurance                                           Long Term Care Planning