Life Insurance, Disability, Annuity, Long Term Care.

Possibly the first thing that comes to mind when anyone thinks of Life or Disability Insurance.  This helps you or your family carry on if income can no longer be earned due to injury, illness, or death. 

For businesses with partners in ownership.  These strategies are used to provide the funds for partners to buy another's share in ownership in the event of death and/or disability.

Businesses of all sizes find themselves dependent on key employees, Managers, Executives, and Owners.  Well planned policies owned by the company can protect it from the inevitable costs and losses associated with the death or disability of a key person.

These are golden-handcuff strategies to add compensation and retirement benefits for high earners.  

Specially structured Life Insurance can be a very strong tool in diversifying a portfolio and retirement funds.  It is tax advantaged, and not subject to limitations and rules commonly associated with qualified retirement accounts.

For high-limit or unique needs. When someone needs coverage for more than traditional "earned income" or is at risk of loss in more ways than than just "disability".

These solutions can cover a variety of hard to place things like loss of pilot's license, disfigurement, quick short term coverage for M&A and key-person, loss of stock options, contract guarantees, etc. Many of these types of policies can be applied for with simplified or guaranteed-issue underwriting. Those commonly in need of these protections are Athletes, Large Corporations, Entertainers, Lawyers, Physicians, Aviation, Brokers and Traders.

These are policies that can provide crucial funds for Business Overhead, Company Revenue, Business succession planning, and Loan Indemnification.

Help reduce taxes, protect assets from creditors, avoid family strife or the mismanagement of an estate, and even help keep a business in the family in combination with your Tax Professional, Estate Attorney, Financial Advisor, and various trusts.

Tax-deferred cash accumulation in a well planned Life policy can also provide tax free loans and withdrawals for high cost life events like college tuition. The most notable benefits over a 529 plan are: the funds can be used for anything, it is generally not counted as an asset in financial aid consideration, and it is protected from market loss. These are typically recommended as part of a holistic financial plan or for parents seeking a low maintenance, low risk investment tool for their children.

This is the concept of moving assets located in qualified retirement plans into a more favorable tax-efficient product like Life Insurance.

This is a product to help plan for the expenses of a nursing home or home health care.  These can be stand alone policies or linked to a Life Insurance policy.