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Life Insurance

  • About Life Insurance

Advanced Planning & Simplified Issue

Whether it’s simple protection or sophisticated cases, LIG has partnered with top carriers nationwide to provide more access and greater design capability.

Traditionally, life insurance has been thought of as a death benefit for a cost, but over the years due to increasing competition life insurance has become much more advanced.

Today, life insurance is capable and attractive for both protection and as an asset class.

Simplified Issue Coverage

In general, simplified issue life insurance is easier to underwrite and less invasive than traditional fully underwritten policies.

This is a good option to save time and get a faster decision from well-established carriers.

LIG has partnered with multiple carriers and has access to a range of coverage options from term insurance, whole life, or IUL’s, capable of offering the following advantages:

No Bloodwork or Paramed Exams

Guaranteed Issue Options

Low Premiums

Critical, Chronic, Terminal Illness Coverage

Disability Coverage

Expedited Underwriting

Cash Accumulation

Refundable Premiums

Upon evaluating your specific needs we can determine what product type is most beneficial and save you valuable time and energy in the process.

Advanced Planning Life Insurance

Life insurance is the fastest-growing asset class in the United States, and for good reason.

This vehicle combines the advantages of life and living benefits along with healthy tax-free cash accumulation at stock market returns.

In general, life insurance hasn’t been considered an asset class however it certainly should be.

An asset, regardless of type, will generally be weighed by 4 things: Risk, Return, Taxes, and Liquidity.

To the best of our knowledge, there is only one asset that can accomplish the following characteristics in one place:

Uncapped Stock Market Returns

Zero Downsize Market Exposure

Immediately Liquid

Tax Free

Believe it or not, this is a properly designed life insurance policy. Surprised yet? I know I was when first hearing this information.

We use large case life insurance for advanced planning in conjunction with other trusted advisors who “know the ropes” of tax planning, legal, and investment management.

Working as a team, we serve to handle unique problems and create new advantages:

LIRP (Life Insurance Retirement Plan) Strategies

529 Alternatives

Tax Diversification Strategies

Qualified Account Conversions

Premium Finance

Executive Bonus Programs

Estate Planning

After spending more time with you and understanding your specific situation, we will customize an approach uncommon to most in our industry.

We pride ourselves on being innovative here. Combining life insurance with other assets in creative ways allows us to solve problems we couldn’t have done before.

It’s a lot of fun!

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Learn More About LIG

LIG offers comprehensive services in the life and health space, with an aim towards TOTAL protection. We would be happy to have you explore in more detail.

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No information provided on this site is intended to constitute an offer to sell or a solicitation of an offer to buy shares of any security or insurance product, nor shall any security or insurance product be offered or sold to any person, in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the laws of such jurisdiction.

This material is for general information only and is not intended to provide specific tax or legal advice or recommendations for any individual.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security or insurance product.

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