Life - Annuities - Managed Portfolios - Estate planning
Life Insurance
Life insurance can serve various purposes, including providing financial protection for loved ones, replacing lost income, paying off debts, covering funeral expenses, and estate planning. The type and amount of life insurance you need depend on your financial goals, obligations, and personal circumstances. It's essential to carefully evaluate your options and consider consulting with a financial advisor or insurance professional to determine the most suitable policy for your needs.
Kai-Zen
Kai-Zen insurance is an innovative financial strategy designed for high-income earners seeking to enhance their retirement planning and life insurance coverage. This unique approach combines premium financing with indexed universal life (IUL) insurance to provide substantial benefits beyond traditional retirement plans.
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IUL = Indexed Universal Life
Indexed Universal Life insurance can be suitable for individuals looking for permanent life insurance coverage with the potential for cash value growth tied to market performance. However, it's essential to carefully evaluate the policy's features, costs, and risks to determine if it aligns with your financial goals and risk tolerance. Consulting with a financial advisor or insurance professional can help in making an informed decision.
Whole/Permanent
Whole life insurance is a type of permanent life insurance that provides coverage for the insured's entire life, as long as premiums are paid as agreed. It offers both a death benefit, which is the amount paid to beneficiaries upon the insured's death, and a cash value component, which accumulates over time.
Term
Term life insurance is a type of life insurance that provides coverage for a specific period, or term, typically ranging from 5 to 30 years. If the insured person dies during the term of the policy, the death benefit is paid out to the designated beneficiaries. However, if the insured person survives the term, no payout occurs, and the coverage expires.
DFL = Debt Free Life
Our Debt Free Life strategy harnesses a participating whole life policy that allows clients to more efficiently and quickly pay off their debts.
IBC = Infinite Banking Concept
The Infinite Banking Concept (IBC) is a financial strategy that leverages whole life insurance policies to create a personal banking system.
Kids Life insurance
Kids life insurance, also known as child life insurance, is a type of life insurance policy that provides coverage for a child. While it's not a common financial product, some parents choose to purchase life insurance for their children for various reasons: Financial Protection, Guaranteed insurability, Cash Value Accumulation, Legacy Planning.
Accidental Death
Accidental death insurance, also known as accidental death and dismemberment (AD&D) insurance, is a type of insurance policy that provides coverage in the event of death or dismemberment resulting from an accident.
Annuities
An annuity is a financial product designed to provide a stream of income over a specified period or for the rest of your life. It's commonly used as a tool for retirement planning or to create guaranteed income in later years. Annuities are typically offered by insurance companies, and they come in various types, each with its own features and benefits.
Immediate Annuities:
With an immediate annuity, you make a lump-sum payment to the insurance company, and in return, you start receiving regular income payments immediately, typically monthly or annually. The income payments can last for a fixed period or for the rest of your life.
Deferred Annuities:
Deferred annuities allow you to invest a sum of money with an insurance company, which then grows tax-deferred until you decide to start receiving income payments.
Fixed Index Annuities (FIAs):
FIAs offer a combination of features from both fixed and variable annuities. They provide a guaranteed minimum interest rate, like fixed annuities, but also offer the potential for higher returns linked to the performance of a stock market index, such as the S&P 500. However, returns are typically capped, and there may be participation rates or other limitations.
Managed Portfolios
Our partner incorporates next-level risk management in the portfolio strategies they have constructed based on ETF's as the main foundation. We work with you to simply identify your appropriate level of risk tolerances balanced with capital appreciation goals. The AI driven strategies are time-tested and Morning Star rated. Our goal for each client is to balance risk while minimalizing volatility in the process for each client's specific needs.
Conservative
Conservative investing focuses on minimizing risk while still aiming for modest returns.
Moderate
Moderately aggressive investing strikes a balance between seeking higher returns and managing risk
Aggressive
Aggressive investing focuses on maximizing returns by taking on higher levels of risk