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Personal Planning

Using an integrated approach and working together, we can help you plan towards goals: College Funding, Retirement Planning, protecting your assets against the unknown, investing wisely, and planning for multiple generations.

Life Insurance with Living Benefits2

Life insurance is about risk. Risk is the exposure to the possibility of loss, and it can be assumed, ignored, or transferred to a risk bearer. By asking the right questions and listening to your answers, we are able to recommend, and help you implement, strategies to meet your personal and business goals and objectives. The companies we represent can provide coverage for 13 major chronic diseases in the form of riders that helps cover medical and living expenses.

Long-Term Care Insurance1

We can provide you with access to many high-quality, long- term care providers. We can also help you protect yourself and those who depend on you through a new concept in long-term care that combines permanent life insurance with specialized riders.2 Long-term care protection should be a key component of any estate plan.

Disability Income Insurance1

Through some of the country’s leading disability providers, we can help you design and implement appropriate personal and business disability insurance plans that will help you and your employees replace the flow of income lost due to periods of sickness or following an accident.

Living Benefits Trust3

An estate planning tool that uses an innovative irrevocable life insurance trust that allows your trustee(s) to accelerate2 a life insurance policy’s death benefit – on a tax-free basis – when you or an insured is determined to be “terminally ill or chronically ill.” The trustee(s) can then distribute the accelerated death benefit to trust beneficiaries who, in turn, can purchase assets from, or lend money to the insured.

Trust and Estate Planning Strategies3

Trusts can be ideal for keeping assets out of probate and for reducing estate and income taxes. They can be used to transfer assets for the protection of your heirs, to avoid taxation of life insurance proceeds in your estate and to keep your assets intact while paying income to someone you designate. Through the use of various trusts and other planning techniques, we can help you protect what you’ve worked a lifetime to build, and make sure that your assets are distributed when and as you want them to be.

If something prompts a question, please reach out. We would enjoy speaking with you.

1 Long-Term Care and Disability insurance are available through representatives who are independently contracted with one or more insurers who provide these types of insurance contracts. Long-Term Care and disability insurance are not underwritten nor issued by National Life Insurance Company.
2 Payment of Long-Term Care riders or Accelerated Benefit riders will reduce the Cash Value and Death Benefit otherwise payable under the policy, may be a taxable event and may affect your eligibility for public assistance programs. Riders are optional, may be available at additional cost, and may not be available in all states.

3The use of trusts involves complex tax rules and regulations. Consider enlisting the counsel of an estate planning professional and your legal and tax advisors prior to implementing such sophisticated strategies.