Do you like pushy insurance salespeople? Neither do we.
Like you, we are not a fan of pushy life insurance* salespeople. Because we are independent and not affiliated with any insurance carriers, we have complete freedom to make unbiased recommendations that's in your best interest. And, of course, you can depend on the depth and breadth of our knowledge (and wisdom and judgment) that come only from decades of experience.
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Independence
We are independent and not affiliated with any insurance carriers. That means you'll always get straightforward and unbiased recommendations. We analyze your risk and needs, perform carrier due diligence, select a product, design your policy, etc. for a solution that best fit your specific needs
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Experience
We are really good at what we do. So you will of course benefit from the depth and breadth of our knowledge. But you can also depend on our wisdom and professional judgment to discern industry fads from substance. All this is possible because of our decades-long experience.
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Carriers
MassMutual
Penn Mutual Prudential Lincoln Principal John Hancock And other reputable carriers |
*By life insurance, we mean LIFE INSURANCE, DISABILITY INSURANCE, LONG-TERM CARE INSURANCE and ANNUITIES.
What Life Insurance Can Do For You
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For High Income Earners
Protect your family from financial ruin if you die too soon
Continue your income if you get injured or become too sick to work Add a low-volatility, tax-efficient asset class without market risk to your investment portfolio Save money without being taxed on the growth Withdraw money without being taxed Save money without contribution limits, early withdrawal penalties or required minimum distributions |
For Businesses
Protect the value of your business so you can sell it at a premium later
"Buy time" if you or your employee dies or become to sick to work Provide cash for you to buy out your partner if they retire, die or become too sick to work Attract and keep your executives with a superior compensation package Carve out a retirement plan just for your executive team Carve out life and/or disability insurance just for your executives |
For Estates
Leave cash to your heirs so they can pay estate taxes
Equalize inheritance among your children Maximize generational wealth Provide financial security for your child with special needs Keep costs of long-term care from depleting your assets Get guaranteed lifetime income to plan for longevity Bypass inherited IRA tax rules for your heirs |