Products and Services for Individuals

Individual Products and Services Include:
  • Estate Planning
  • Succession Planning
  • Generational Planning
  • Life Insurance for the Healthy
  • Life Insurance for the Medically Impaired
  • Annuities for the Healthy and Medically Impaired
  • Disability Income
  • Long Term Care
  • Deferred Compensation
  • Charitable Split-Dollar Arrangements
  • Traditional Split-Dollar Arrangements
  • Life Settlements
  • Custom Designed and Manufactured Plans
    (to secure the future of our clients)
The Self-Directed Pension
The single concept that answers the three core, fundamental questions:
  • What if I die too soon?
  • What if I become ill?
  •  What if I live too long?
Professionally designed, this plan will create:
  • A tax free retirement income from retirement to up to age 100 based on client objectives
  • No early withdrawal penalties
  • No RMD’s
  • No limits on contributions
  • Flexible disbursements at any time
  • A tax free death benefit
  • Accelerated Benefit Rider (ABR) that permit the insured to accelerate the death benefit in the event of:
    • Chronic Illness
    • Critical Illness
    • Terminal Illness
    • Referred to as “Living Benefits” because you no longer have to die to use your Life Insurance Policy