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
Critical, Chronic, Terminal Illness Coverage
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
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
Tax Diversification Strategies
Qualified Account Conversions
Executive Bonus Programs
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!