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Boca Raton Office

1001 W. Yamato Rd

Suite 306
Boca Raton, FL 33431

Life Insurance Planning

For over 25 years, we have been constructing lasting life insurance plans that work to provide assurance to our clients when they need it most.

Since life insurance is a financial instrument that makes a projection of what may happen 30 or more years in the future, we take a careful and purposeful approach to designing each plan based on each individual's unique needs. We recognize the way a young family approaches life insurance is often vastly different from that of a wealthy retiree. 

A young family may be concerned about easing financial burdens on those left behind – paying off debts (like a home mortgage), replacing lost income, providing for childcare expenses, funding college for children and creating a secure retirement for the surviving spouse.   A wealthy retiree often has a completely different set of objectives for choosing life insurance – alleviating the burden of transfer taxes on the surviving family, equalizing an estate among children or leaving money to a favorite charity. 

There are favorable tax laws that apply to accumulation-oriented life insurance policies.   While it is generally true that premiums are made with post-tax dollars, the investment earnings can grow tax-deferred and may be withdrawn tax-free, if certain design conditions are met.  As a result, affluent clients who are ineligible to contribute to a Roth IRA due to their high earnings can optimize these tax rules to create supplemental tax-free retirement income. 

While our process of designing life insurance plans for optimal results is key, it’s our service model that is revolutionizing the insurance experience for our clients.  The effect of today’s low interest rate environment on the industry has been significant and has led to the need for careful monitoring of all policies, especially interest-sensitive Universal Life designs.  For this reason, we have devoted new resources to policy service as reflected in our partnership with Valmark’s Policy Management Company.  Please click the following link to read more.