Our Value

For Corporations:

The Value of Expertise
Our life and disability experts focus exclusively on incorporating life and disability solutions into your broader risk management program. The result is a comprehensive insurance program that effectively protects your business assets and also delivers innovative benefits to your employees.

Personalized Process
We understand that the factors involved in selecting and implementing life and disability programs are personal –- both for you as a business owner and for the employees who may elect to participate. That's why we begin our process with a detailed evaluation of your current situation, your employee demographics, and your goals and objectives.

For Individuals:

Insurance Protection Tailored to Your Needs
We create customized insurance programs for individuals and families in the following areas:

Financial security analysis
We provide insurance planning for:

• Estate creation and liquidity
• College funding
• Supplemental retirement planning
• Income protection
• Charitable planning

Wealth preservation planning
We work closely with clients' advisors using life insurance as a powerful tool to leverage annual and lifetime gifts for estate tax purposes. Some of the planning techniques where life insurance is the most effective funding vehicle include:

• Irrevocable life insurance trusts
• Charitable remainder trusts
• Grantor Retained Annuity Trusts (GRATS)
• Dynasty trusts

Income replacement and protection
We offer a variety of plans to replace and protect income due to disability. Disability coverage is important for high net worth individuals, highly compensated executives and high profile individuals. We are able to place policies for the following:

• Additional coverage above and beyond standard coverage
• Venture capital needs
• Buyout contracts
• International benefits
• Key person coverage

Long-term care planning
We provide clients with appropriate policies specifically designed for:

• Senior care needs and services
• Nursing home care
• In-home rehabilitation

Specialty planning areas
Our professionals can offer additional services and protection to families and individuals, including:

• Jumbo limit disability policies
• Ability to bind life insurance coverage in 24 hours
• Institutionally-priced life insurance for large-premium transactions