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Estate Conservation

Life insurance is long recognized as a cost-effective and tax-efficient method of funding estate liquidity, and has played a pivotal role in many popular estate planning techniques, including:

IRA Wealth Transfer

This concept is designed to show individuals how they can maximize the amount that they can leave to their heirs.

Irrevocable Life Insurance Trust (ILIT)

An ILIT is a planning technique for holding life insurance policies in a trust that is designed to assure that policy death proceeds are not subject to federal estate tax.

Multigenerational Legacy Planning

Multigenerational Legacy Planning is designed to help individuals maintain control and efficiently use their assets to benefit future generations.

Survivorship Standby Trust (SST)

A Survivorship Standby Trust is an alternative to a traditional irrevocable life insurance trust (ILIT) that can help protect death benefits from estate taxes and provide tax-deferred growth and income tax-free access to policy cash values during lifetime.

Premium Financing Program

Premium Financing is an effective planning strategy for high net worth individuals to obtain and pay for the life insurance they need without needing to liquidate a portion of their assets.