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Assess Risks +
​Insure Risks =

Peace of Mind

Insurance is Unique... and Complicated

Insurance* is a unique financial instrument with features that are unavailable in any other financial products. For example, only annuities can provide guaranteed income for as long as you live. As well, there are unique tax advantages that are available only in life insurance. Features like these open up opportunities for creative retirement, tax, and estate planning strategies.

​But insurance is also complicated, and sensible insurance planning requires considerable expertise with deep knowledge of the "science" behind it—like carrier due diligence, product selection, policy design, underwriting, income and estate tax ramifications, legal aspects, etc.

Protect Your Family

Your ability to achieve your goals and dreams—saving for retirement, saving for children's education, paying off mortgage, etc.—is predicated largely on one thing: your ability to earn income during your working years.

Your untimely death as 
a primary breadwinner or your inability to work due to an illness or injury profoundly impedes your (and your family's) ability to realize your goals.

Fortunately, you can often mitigate such risks sensibly and efficiently by transferring them to insurance companies whose business is to assume such risks and absorb losses that may result from these unforeseen events in exchange for a (small) premium.

Protect Your Income

How much will you earn in your lifetime? Probably a lot. What would happen if you can't work due to an injury or illness? It's easy to see that your ability to earn income may be your most valuable asset. And it's clearly worth your money and energy to protect it. 

Think of it this way. Job A pays $100,000 a year, but with no benefits if you can't work due to an illness or injury. On the other hand, Job B pays $98,000 a year, and pays $60,000 a year in tax-free benefits if you're too sick or injured to work.​Wouldn't you choose Job B?

​Just like that, you can protect yourself from the risk of losing your income by allocating a small portion of your income to disability insurance. 

Protect Your Estate

You have accumulated substantial assets.

Perhaps you wish to preserve and pass as much of your assets as you can to your heirs (and/or charities).

But federal (and state!) estate taxes may significantly erode your assets. And if your assets are cash-poor, your heirs won't have enough money to pay estate taxes. To come up with the cash needed, they might be forced to sell your assets in fire sale to pay the taxes. 


Life insurance can help avoid this by providing cash to help meet estate tax obligations. It does so in cost- and tax-efficient ways that no other assets or financial products can.
* By insurance, we mean LIFE INSURANCE, DISABILITY INSURANCE, LONG-TERM CARE INSURANCE and ANNUITIES. 
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What Properly Designed Insurance Can Do For You

// Protect your family from financial ruin if you die too soon

// Continue your income if you get injured or become too sick to work 

// Keep you from paying all or most of the costs of long-term care

// Get guaranteed lifetime income

// Provide cash for your heirs so they have money to pay estate taxes

// Provide financial security for your child with special needs

// Add a low-volatility, tax-efficient asset without stock market risk to your investment portfolio

// Bypass the inherited IRA tax rules for your heirs

// Allow your business to "buy time" if you or your key employee dies or can't work

// Provide cash for partners to buy out deceased/disabled partner

// Attract and keep your key employees with a compensation plan that's better than your competition
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Advisory services offered through CS Planning Corp, an SEC registered investment advisor.
Insurance products offered through Elliott Bay Insurance LLC.
Form CRS, Privacy Policy, and Additional Disclosures.
info@cultivant.com
206.486.8700 ext. 703
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