Individuals

Insurance Solutions for Individuals

Home /  Insurance & HR / Services / Life Insurance / Individuals

Comprehensive Solutions Customized to Meet Your Specific Needs

From asset protection to charitable contributions, our team of experts will work with you to design a policy that aligns with your needs and goals.

  • Estate Planning & Wealth Transfer: Protecting your wealth while ensuring the ongoing management of your estate and assets upon death or disability.
  • Income Protection: Planning for the unexpected with life insurance will help safeguard your financial security if your regular income is interrupted.
  • Charitable Contribution: Gifting the proceeds from a life insurance policy to a charity or charities of your choosing.
  • Longevity Planning: Creating a comprehensive strategy around those years that exceed traditional retirement times.
  • Guaranteed Income: Purchasing continuous unconditional monthly lifetime income to cover all essential life obligations during retirement.
  • Asset Protection: Protecting your assets with life insurance while providing an income tax-free death benefit to the beneficiaries.
  • Mortgage Protection: Utilizing life insurance to cover mortgage payments in the event of death.
  • Special Needs Planning: Securing a financial future for parents with a special needs child with life insurance.
  • Final Expense: Using life insurance to cover end-of-life expenses such as doctor or hospital bills, funeral expenses, or other expenses after death.

The retirees in our story are living in the age of decumulation where people fear living too long and running out of money in retirement. This tale illustrates how you can thrive rather than survive during retirement. 
Here is our guidance to help determine if you need term life insurance or if you should consider permanent life insurance.  
You made savings for retirement a priority, putting as much money into your IRA or other qualified plans as the law allowed. With this IRA maximization strategy, you purchase a life insurance policy and use after-tax distributions from your IRA or other qualified plan to pay the premiums.