taxed<\/a><\/span>. Unlike investments that generate capital gains.<\/p>\nRetirement accounts can grow untaxed until it comes time to make withdrawals. Even if we consider ROTH options, unless you have a ROTH 401k, your income threshold will eliminate this option. Life insurance cash value can be used for future withdrawals and can be tax-free. As long as you are not underfunding the policy or taking excessive withdrawals, the health of your permanent life insurance policy will provide cash value growth throughout your lifetime.<\/p>\n
One day when the life insurance policy is exercised, the payment to your beneficiaries under normal circumstances is a tax-free death benefit.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=” What life insurance planning can do for estate planning” open_toggle_text_color=”#FFFFFF” open_toggle_background_color=”rgba(32,63,10,0.92)” closed_toggle_text_color=”#FFFFFF” closed_toggle_background_color=”rgba(32,63,10,0.92)” icon_color=”#FFFFFF” toggle_icon=”;||divi||400″ open_icon_color=”#FFFFFF” open_toggle_icon=”:||divi||400″ _builder_version=”4.17.6″ _module_preset=”default” title_text_color=”#FFFFFF” title_font=”Lato|700|||||||” title_line_height=”1.5em” body_font=”||||||||” body_text_color=”#FFFFFF” body_font_size=”15px” body_line_height=”2em” custom_margin=”||0px|” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”10%” closed_title_text_shadow_style=”preset3″ closed_title_text_shadow_blur_strength=”0.2em” border_width_all=”0px” global_colors_info=”{}”]<\/p>\n
Taxable benefits are the primary advantage of permanent life insurance in estate planning because of the leverage it creates. Death is generally unexpected and the timing could trigger a need to liquidate assets or the sale of property at an inopportune time.\u00a0The proceeds of a life insurance policy can cover these concerns.<\/p>\n
Perhaps there could be business interests or assets that may not be divided in a way that will satisfy all of your heirs or business partners. Life insurance planning can be the remedy by creating equity where perceived inequities may have caused friction.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”What life insurance planning can do for retirement planning” open_toggle_text_color=”#FFFFFF” open_toggle_background_color=”rgba(32,63,10,0.79)” closed_toggle_text_color=”#FFFFFF” closed_toggle_background_color=”rgba(32,63,10,0.79)” icon_color=”#FFFFFF” toggle_icon=”;||divi||400″ open_icon_color=”#FFFFFF” open_toggle_icon=”:||divi||400″ _builder_version=”4.17.6″ _module_preset=”default” title_text_color=”#FFFFFF” title_font=”Lato|700|||||||” title_line_height=”1.5em” body_font=”||||||||” body_text_color=”#FFFFFF” body_font_size=”16px” body_line_height=”2em” custom_margin=”||0px|” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”10%” closed_title_text_shadow_style=”preset3″ closed_title_text_shadow_blur_strength=”0.2em” border_width_all=”0px” global_colors_info=”{}”]<\/p>\n
If your income reaches a certain limit, you lose the option to save within a ROTH retirement account, unless you’re lucky enough to have a ROTH 401k option at work, or you have chosen to include life insurance planning in your long-term financial planning.<\/p>\n
Within a responsibly designed whole life insurance or universal life insurance policy you can implement funding strategies for tax-free withdrawals in retirement.\u00a0Since it doesn’t follow retirement account rules and restrictions, funding amounts are for the most part unlimited, and there is no minimum age to access funds, and as such, does not trigger penalties.<\/p>\n
If the policy is properly structured to stay within the IRS guidelines, so as not to trigger characterization of an investment, you can take systematic withdrawals without recognition and therefore be deemed non-taxable.<\/p>\n
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[\/et_pb_toggle][et_pb_toggle title=”What life insurance planning can do for business planning” open_toggle_text_color=”#FFFFFF” open_toggle_background_color=”rgba(32,63,10,0.63)” closed_toggle_text_color=”#FFFFFF” closed_toggle_background_color=”rgba(32,63,10,0.63)” icon_color=”#FFFFFF” toggle_icon=”;||divi||400″ open_icon_color=”#FFFFFF” open_toggle_icon=”:||divi||400″ _builder_version=”4.17.6″ _module_preset=”default” title_text_color=”#FFFFFF” title_font=”Lato|700|||||||” title_line_height=”1.5em” body_font=”||||||||” body_text_color=”#FFFFFF” body_font_size=”16px” body_line_height=”2em” custom_margin=”||0px|” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”10%” closed_title_text_shadow_style=”preset3″ closed_title_text_shadow_blur_strength=”0.2em” border_width_all=”0px” global_colors_info=”{}”]<\/p>\n
The untimely death of a business partner can be devastating, especially if their expertise, insight, or relationships were driving your revenue. This becomes worse if you don\u2019t have the money to buy out their surviving spouse or find yourself sharing half of the profits with someone who cannot help run the business. This can be very similar if you were to lose a key employee that drives your revenue.<\/p>\n
Establishing a buy-sell agreement or key person protection, but not paying it with excess cash, but a life insurance policy can mean the difference between a business being sustained at a difficult time, or needing to close without options.<\/p>\n
Designing an executive bonus plan can be built around cash value life insurance with a “golden parachute” to retain the best people through to retirement.<\/p>\n
How about an exit strategy? Business succession planning needs to occur long before debating when to retire. Apart from numerous retirement strategies through investments, life insurance planning can be another avenue for accessible tax-free cash when you’re ready to retire.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”What life insurance planning can do for legacy planning” open_toggle_text_color=”#FFFFFF” open_toggle_background_color=”rgba(32,63,10,0.47)” closed_toggle_text_color=”#FFFFFF” closed_toggle_background_color=”rgba(32,63,10,0.5)” icon_color=”#FFFFFF” toggle_icon=”;||divi||400″ open_icon_color=”#FFFFFF” open_toggle_icon=”:||divi||400″ _builder_version=”4.17.6″ _module_preset=”default” title_text_color=”#FFFFFF” title_font=”Lato|700|||||||” title_line_height=”1.5em” body_font=”||||||||” body_text_color=”#FFFFFF” body_font_size=”16px” body_line_height=”2em” custom_margin=”||0px|” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”10%” closed_title_text_shadow_style=”preset3″ closed_title_text_shadow_blur_strength=”0.2em” border_width_all=”0px” global_colors_info=”{}”]<\/p>\n
Permanent life insurance can play a major role in replacing lost income to your heirs, providing immediate liquidity to pay debts, mortgages, and other expenses, providing cash to meet estate tax liabilities, equalizing inheritances among heirs, and preserving a business by helping fund a buyout of the interests of a widowed spouse. <\/span><\/p>\nDeciding to use life insurance planning for the lives of your children or grandchildren can create a legacy beyond you. You can protect their future insurability, and provide them with an instrument that will provide tax-free cash for college, a wedding, and even a down payment on their first home to help them start a future legacy of their own.\u00a0<\/span><\/p>\n[\/et_pb_toggle][et_pb_toggle title=”What life insurance planning can do to protect your income” open_toggle_text_color=”#FFFFFF” open_toggle_background_color=”rgba(32,63,10,0.37)” closed_toggle_text_color=”#FFFFFF” closed_toggle_background_color=”rgba(32,63,10,0.37)” icon_color=”#FFFFFF” toggle_icon=”;||divi||400″ open_icon_color=”#FFFFFF” open_toggle_icon=”:||divi||400″ _builder_version=”4.17.6″ _module_preset=”default” title_text_color=”#FFFFFF” title_font=”Lato|700|||||||” title_line_height=”1.5em” body_font=”||||||||” body_text_color=”#FFFFFF” body_font_size=”16px” body_line_height=”2em” custom_margin=”||0px|” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”10%” title_text_shadow_style=”preset3″ closed_title_text_shadow_style=”preset3″ body_text_shadow_style=”preset3″ border_width_all=”0px” global_colors_info=”{}”]<\/p>\n
Your most valuable asset is not your home, investments, or retirement accounts, it is your ability to earn an income. Becoming disabled due to an accident or injury that prevents you from working could immediately affect your income, especially if you are the primary wage earner.<\/p>\n
As an employee, you could receive CA State Disability, but that will only be a maximum of 60% of earnings. That alone could be a huge drop in income, but if you earn any of your income in the form of commissions, bonuses, or profits, that is not counted. If you make beyond the income cap of State Disability, that excess is also not counted.<\/p>\n
With a properly designed permanent life insurance policy you can include provisions for disability. When you have a financial instrument that is primarily meant for a completely different purpose, having this option within a life insurance policy to pay you a monthly income in the event of a disability could be a lifeline in an extremely challenging time.<\/p>\n
[\/et_pb_toggle][et_pb_toggle title=”What life insurance planning can do to extend charitable giving” open_toggle_text_color=”#0d4c24″ open_toggle_background_color=”rgba(32,63,10,0.24)” closed_toggle_text_color=”#FFFFFF” closed_toggle_background_color=”rgba(32,63,10,0.24)” icon_color=”#FFFFFF” toggle_icon=”;||divi||400″ open_icon_color=”#FFFFFF” open_toggle_icon=”:||divi||400″ _builder_version=”4.17.6″ _module_preset=”default” title_text_color=”#FFFFFF” title_font=”Lato|700|||||||” title_line_height=”1.5em” body_font=”||||||||” body_text_color=”#0d4c24″ body_font_size=”16px” body_line_height=”2em” custom_margin=”||0px|” animation_style=”slide” animation_direction=”top” animation_intensity_slide=”10%” closed_title_text_shadow_style=”preset3″ closed_title_text_shadow_color=”rgba(0,0,0,0.65)” border_radii=”off|||10px|10px” border_width_all=”0px” global_colors_info=”{}”]<\/p>\n
Apart from your altruistic inclination to leave financial support to the meaningful causes in your life, life insurance planning can create a windfall.<\/p>\n
Your bequests can be larger by leveraging a smaller contribution that immediately becomes more utilizing life insurance. If you were to transfer ownership and beneficiary designation you or your heirs could gain a tax deduction.<\/p>\n
Outside of a life insurance policy, using life insurance carrier instruments, you could structure a charitable gift annuity, from there, a charitable remainder unitrust, or an annuity trust for life income gift can become a gift that pays you an income during your lifetime.<\/p>\n
[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.17.6″ _module_preset=”default” background_color=”rgba(255,255,255,0.81)” background_image=”https:\/\/taxsmartinvesting.org\/wp-content\/uploads\/2022\/04\/church-15.jpg” background_blend=”soft-light” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_row _builder_version=”4.17.6″ _module_preset=”default” width_tablet=”” width_phone=”89%” width_last_edited=”on|phone” max_width_tablet=”” max_width_phone=”” max_width_last_edited=”on|phone” custom_margin_tablet=”” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|phone” module_alignment_tablet=”” module_alignment_phone=”center” module_alignment_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”What life insurance planning can do for you, has more to do with the path you choose” content_max_width=”1100px” _builder_version=”4.17.6″ _module_preset=”default” header_level=”h2″ header_font=”|700|||||||” header_font_size=”42px” header_line_height=”1.1em” body_font=”|600|||||||” body_text_color=”#115103″ body_font_size=”19px” body_letter_spacing=”2px” header_font_size_tablet=”42px” header_font_size_phone=”42px” header_font_size_last_edited=”on|phone” header_line_height_tablet=”1.1em” header_line_height_phone=”1.2em” header_line_height_last_edited=”on|phone” body_font_size_tablet=”19px” body_font_size_phone=”18px” body_font_size_last_edited=”on|phone” header_text_shadow_style=”preset1″ header_text_shadow_vertical_length=”0.07em” global_colors_info=”{}”]<\/p>\n
Defining your needs with Whole Life Insurance of Universal Life Insurance:<\/span><\/h3>\n[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_3,1_3″ _builder_version=”4.17.6″ _module_preset=”default” width=”100%” width_tablet=”” width_phone=”100%” width_last_edited=”on|desktop” max_width=”1250px” max_width_tablet=”1250px” max_width_phone=”2560%” max_width_last_edited=”on|phone” module_alignment_tablet=”” module_alignment_phone=”center” module_alignment_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”2_3″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.6″ _module_preset=”default” text_text_color=”#0d4c24″ custom_margin=”||-48px|||” custom_margin_tablet=”|30px|0px|30px|false|true” custom_margin_phone=”||0px||false|true” custom_margin_last_edited=”on|tablet” custom_padding=”||0px|||” text_text_shadow_style=”preset1″ text_text_shadow_vertical_length=”0.02em” global_colors_info=”{}”]<\/p>\n
When you make a choice to invest, most will choose a side: Aggressive or Conservative. <\/strong><\/em>You can be moderately aggressive or conservative, but accepting or deferring risk exists in everyone’s nature. Whole life insurance and universal life insurance are much the same debate.<\/p>\nThe major differentiator of permanent life insurance options is that\u00a0<\/strong>universal life insurance provides flexibility, and <\/strong>whole life insurance provides guarantees. <\/strong><\/em>If we discuss funding (premiums), whole life is set, whereas universal life is flexible. If we discuss death benefits, whole life is fixed, whereas universal life can fluctuate. Many other factors are similar.<\/p>\nBoth types of permanent life insurance take your premiums and separate a portion for “insurance” and a “savings-investment” portion.<\/p>\n
In universal life, you are the one to take responsibility for how your policy earns interest each year. <\/strong><\/em>The calculation used for the interest your policy is credited with comes not from the insurance carrier, but from an outside factor, most often mutual funds, or a stock market index.\u00a0 Whatever you choose, universal life will be directly correlated to the performance of the stock market in some way. This means that the savings-investment portion of your policy can benefit from stock market highs, but can also be affected by the lows.<\/p>\nIn whole life, the company you choose takes on the responsibility to pay a stated dividend each year.<\/strong><\/em> The dividend credit in a whole life policy is purely based on internal factors, governed by the insurance carrier to run responsibly and profitably to share and distribute profits to their shareholders in the form of dividends. Whole life companies do not have public shareholders tied to Wall Street, their policyholders are their only shareholders.<\/p>\nThe savings-investment portion of your whole life policy’s dividends have no direct tie to how the stock market is performing. As an example, in these past few years of stock market volatility, the greater majority of policyholders have seen very little change in their dividend distributions, because the companies behind these whole life policies make investments that are often long-term strategic holdings, only minimally affected by the course of a few rough stock market years.<\/p>\n
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[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.17.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.6″ _module_preset=”default” text_text_color=”#0d4c24″ custom_margin=”||-48px|||” custom_margin_tablet=”-30px|30px|0px|30px|false|true” custom_margin_phone=”||0px||false|true” custom_margin_last_edited=”on|tablet” custom_padding=”||0px|||” text_text_shadow_style=”preset1″ text_text_shadow_vertical_length=”0.02em” global_colors_info=”{}”]<\/p>\n
For long-term planning purposes, universal and whole life insurance can be a unique consideration.<\/strong><\/em> There are two sides to every argument. Some say that buying term insurance can cover your insurance needs and your investments can do better individually, versus any type of permanent life insurance where insurance and investments coexist.<\/p>\nOthers might say that paying for a term insurance policy that is statistically only paid 2% of the time because people outlive them, makes no sense. The term policy of 20-30 years expense held value while in-forced, but as soon as its expiration comes it is worthless, despite the cost over all those years. As for the pure investment, even with low-cost ETFs on Index funds, over the same time span would indeed generate minimal fees, but the heftier fee was all the years of capital gains.<\/p>\n
The main point is that each argument has its merits. We believe that the best planning finds opportunities. Where taxes present a future consideration, life insurance planning can be valuable. Where higher incomes eliminate ROTH options for tax-free retirement savings, life insurance planning can be extremely valuable.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.17.6″ _module_preset=”default” width=”100%” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|desktop” max_width=”1400px” max_width_tablet=”1400px” max_width_phone=”1400px” max_width_last_edited=”on|desktop” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Life insurance planning can offer numerous advantages, so how about the disadvantages?” content_max_width_tablet=”660px” content_max_width_phone=”350px” content_max_width_last_edited=”on|tablet” _builder_version=”4.17.6″ _module_preset=”default” header_font=”|600|||||||” header_font_size=”32px” header_line_height=”1.2em” body_text_color=”#0d4c24″ header_font_size_tablet=”28px” header_font_size_phone=”28px” header_font_size_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n
The question that you are surely asking yourself must be, why aren’t there long lines of people demanding to buy more?<\/strong> The answer comes in all the reasons that life insurance planning is a unique strategy that fits a specific need.<\/p>\nWe believe the greatest concern in implementing a life insurance planning strategy is an inexperienced or unethical insurance agent, primarily focused on their financial gain over your long-term needs.<\/strong><\/em><\/p>\nWe can not stress enough that someone who is only insurance licensed to sell insurance does not understand the intricacies and implications of taxation within trusts, retirement strategies, or business planning considerations. Expertise, knowledge, and capabilities aside, your best interests MUST come first.<\/p>\n
We assist clients with this type of strategy only if it truly benefits their unique circumstances, and frankly, if we do, we are often engaged in much more than life insurance planning.<\/p>\n
A policy designed for planning will be expensive when compared to “pure insurance”\/ term insurance.<\/strong><\/em><\/p>\nTo have a permanent life insurance policy properly designed for planning purposes requires that it does not accept that things will go as planned. The nature of the design must take into account contingencies, the predictable and unpredictable. In doing so, the costs will be higher. The tradeoff for this is if things do take unexpected turns, the plan will still play out well, and if things do go along a predictable path, then all the better. Term insurance can do the same…, until it expires.<\/p>\n
<\/ul>\n[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Thinking outside the box can be illuminating” image=”https:\/\/taxsmartinvesting.org\/wp-content\/uploads\/2022\/07\/what-life-insurance-planning-can-do-for-tomorrow.jpg” alt=”Life insurance planning” content_max_width_tablet=”660px” content_max_width_phone=”350px” content_max_width_last_edited=”on|phone” _builder_version=”4.17.6″ _module_preset=”default” header_font=”|600|||||||” header_font_size=”32px” header_line_height=”1.2em” body_text_color=”#0d4c24″ custom_margin=”|-51px||-51px|false|true” custom_margin_tablet=”|0px||0px|false|false” custom_margin_phone=”|0px||0px|false|false” custom_margin_last_edited=”on|desktop” header_font_size_tablet=”29px” header_font_size_phone=”30px” header_font_size_last_edited=”on|phone” border_radii_image=”on|10px|10px|10px|10px” box_shadow_style_image=”preset1″ global_colors_info=”{}”]<\/p>\n
What life insurance policies can produce within the savings-investment portion cannot compete with a traditional brokerage account.<\/strong><\/em><\/p>\nA universal life insurance policy can have the savings-investment portion allocated to institutional mutual funds or even the S&P 500. In a brokerage account, you can do the same with potentially minimal fund management fees.<\/p>\n
A universal life insurance policy can have cost of insurance, sales charges, admin fees, mortality and expense risk charges, surrender charges if you cancel the policy early, and of course the same fund management fees for the mutual funds if you elect them. Why would you even consider this?<\/p>\n
The brokerage account (with growth) has generated capital gains year after year. The life insurance is tax-deferred or will be tax-free if executed properly. If you chose index universal life, you will never take losses from stock market declines. The brokerage account, even with buffered ETFs will take a hit.<\/p>\n
If you use whole life, the savings-investment portion is based on dividends, not correlated with the stock market. If your brokerage account were to take a hit this year like 2008, you would still be credited 5.5-6% dividend this year in your whole life policy.\u00a0All of this still does not take into account that if you were pass away tomorrow, your beneficiaries would receive a tax-free death benefit.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Life insurance planning should only be one piece of the equation” content_max_width_tablet=”660px” content_max_width_phone=”350px” content_max_width_last_edited=”on|phone” _builder_version=”4.18.0″ _module_preset=”default” header_font=”|600|||||||” header_font_size=”32px” header_line_height=”1.2em” body_text_color=”#0d4c24″ custom_margin=”|-47px|||false|false” custom_margin_tablet=”|0px|||false|false” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|desktop” hover_enabled=”0″ header_font_size_tablet=”32px” header_font_size_phone=”30px” header_font_size_last_edited=”on|phone” global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n
Life insurance planning may not address all of the possible tax advantages, or can it?<\/strong><\/em><\/p>\nYour various investments and retirement assets are all part of what represents your wealth. Tax opportunities exist in each. Life insurance planning is meant to support these and many more financial considerations. We believe that any opportunity for tax planning should be explored and where beneficial, be applied.<\/p>\n
The most important factor in using life insurance planning is the design of the instrument used to execute all that you plan. If your plans change in the future, remember that a well-designed policy has multiple purposes.<\/p>\n
The main point for living purposes is that you can use it for tax-free withdrawals for any purpose you choose, supplemental retirement income, caring for loved ones, etc… For death benefit purposes it will care for your heirs, business\/ business partners, estate, or charitable causes no matter how it may have originally been intended. A trust (as long as revocable) or beneficiaries can always be modified.<\/p>\n
Our recommendation for clients is that we revisit the policy as part of our overall financial planning process to assess changes as required at regular intervals.<\/p>\n
Why consider paying for permanent life insurance for your entire life?<\/strong><\/em><\/p>\nWe don’t believe you should. If designed properly, permanent life insurance should last your whole life, but not be a cost over your whole lifetime. We typically propose life insurance planning be designed over 10, or 15 years. In some instances, when this strategy benefits the situation, we may design a 20-year timeframe to achieve the desired results.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Services” _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_row _builder_version=”4.17.6″ _module_preset=”default” custom_margin_tablet=”-30px||||false|false” custom_margin_phone=”-30px||||false|false” custom_margin_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”How We Can Help” content_max_width=”1100px” content_tablet=”<\/p>\n
<\/strong><\/span><\/h4>\nWe provide support for what has already occurred <\/strong><\/span><\/h4>\nas well as what has yet to be<\/strong><\/span><\/h4>\n<\/p>\nWe make decisions in our lives that are directly associated with the motives and financial resources available to us at the time. Often, at a later time, we find that circumstances have presented new considerations.<\/p>\n
Planning with permanent life insurance should be designed to grow with your plans as your life evolves.<\/strong> If this strategy is appropriate for your situation, we make sure to design your new policy with that in mind, working closely with clients to design new permanent life insurance policies build around your specific needs.<\/p>\nClients are often referred to us that have existing policies in place and we understand that concerns may lead to a need for evaluation. We provide full comprehensive reviews for existing universal life insurance and whole life insurance policies for possible changes within those policies that may be recommended if your needs have changed.<\/p>\n
When the need arises, as it often does, we also coordinate with attorneys to ensure that the requirements of wills and trusts are met.<\/p>\n
Below are some of the steps we take in each scenario:<\/strong><\/p>\n” content_phone=”<\/p>\n
<\/strong><\/span><\/h4>\nWe provide support for what has <\/strong><\/span><\/h4>\nalready occurred <\/strong><\/span>as well as <\/strong><\/span><\/h4>\nwhat has yet to be<\/strong><\/span><\/h4>\n<\/p>\nWe make decisions in our lives that are directly associated with the motives and financial resources available to us at the time. Often, at a later time, we find that circumstances have presented new considerations.<\/p>\n
Planning with permanent life insurance should be designed to grow with your plans as your life evolves.<\/strong> If this strategy is appropriate for your situation, we make sure to design your new policy with that in mind, working closely with clients to design new permanent life insurance policies build around your specific needs.<\/p>\nClients are often referred to us that have existing policies in place and we understand that concerns may lead to a need for evaluation. We provide full comprehensive reviews for existing universal life insurance and whole life insurance policies for possible changes within those policies that may be recommended if your needs have changed.<\/p>\n
When the need arises, as it often does, we also coordinate with attorneys to ensure that the requirements of wills and trusts are met.<\/p>\n
Below are some of the steps we take in each scenario:<\/strong><\/p>\n” content_last_edited=”on|phone” content_max_width_tablet=”1100px” content_max_width_phone=”1100px” content_max_width_last_edited=”on|desktop” _builder_version=”4.17.6″ _module_preset=”default” header_font=”|600|||||||” header_text_align=”center” header_font_size=”52px” body_text_color=”#0d4c24″ body_font_size=”15px” custom_margin_tablet=”||||false|false” custom_margin_phone=”-50px||||false|false” custom_margin_last_edited=”on|phone” header_font_size_tablet=”52px” header_font_size_phone=”53px” header_font_size_last_edited=”on|desktop” header_line_height_tablet=”” header_line_height_phone=”1.1em” header_line_height_last_edited=”on|phone” body_line_height_tablet=”” body_line_height_phone=”1.7em” body_line_height_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n
<\/strong><\/span><\/h4>\nWe provide support for what has already occurred as well as what has yet to be.<\/strong><\/span><\/h4>\n <\/p>\n
We make decisions in our lives that are directly associated with the motives and financial resources available to us at the time. Often, at a later time, we find that circumstances have presented new considerations.<\/p>\n
Planning with permanent life insurance should be designed to grow with your plans as your life evolves.<\/strong> If this strategy is appropriate for your situation, we make sure to design your new policy with that in mind, working closely with clients to design new permanent life insurance policies build around your specific needs.<\/p>\nClients are often referred to us that have existing policies in place and we understand that concerns may lead to a need for evaluation. We provide full comprehensive reviews for existing universal life insurance and whole life insurance policies for possible changes within those policies that may be recommended if your needs have changed.<\/p>\n
When the need arises, as it often does, we also coordinate with attorneys to ensure that the requirements of wills and trusts are met. Below are some of the steps we take in each scenario:<\/strong><\/p>\n[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.17.6″ _module_preset=”default” width=”100%” width_tablet=”85%” width_phone=”100%” width_last_edited=”on|desktop” max_width=”1220px” max_width_tablet=”1100px” max_width_phone=”1220px” max_width_last_edited=”on|desktop” height=”800px” height_tablet=”800px” height_phone=”800px” height_last_edited=”on|desktop” custom_margin=”80px|auto||auto|false|false” custom_margin_tablet=”0px||||false|true” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.17.6″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_stops=”#367215 20%|#ffffff 54%” background_enable_image=”off” custom_padding=”|20px|160px|20px|false|true” background_last_edited=”on|tablet” use_background_color_gradient_tablet=”on” use_background_color_gradient_phone=”on” background_color_gradient_stops_tablet=”#367215 20%|#ffffff 100%” background_color_gradient_stops_phone=”#367215 20%|#ffffff 100%” global_colors_info=”{}”][et_pb_text _builder_version=”4.17.6″ _module_preset=”default” header_2_font=”|700|||||||” header_2_font_size=”24px” header_2_line_height=”1.3em” background_color=”#FFFFFF” text_orientation=”center” custom_margin=”-80px||20px||false|false” custom_margin_tablet=”-10px|75px|20px|75px|false|true” custom_margin_phone=”|30px||30px|false|true” custom_margin_last_edited=”on|tablet” custom_padding=”8px||8px||false|false” custom_padding_tablet=”8px||8px||false|false” custom_padding_phone=”8px||8px||false|false” custom_padding_last_edited=”on|tablet” header_2_font_size_tablet=”18px” header_2_font_size_phone=”18px” header_2_font_size_last_edited=”on|phone” header_2_line_height_tablet=”1.3em” header_2_line_height_phone=”1em” header_2_line_height_last_edited=”on|desktop” header_2_text_shadow_style=”preset3″ border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset3″ box_shadow_vertical=”2px” box_shadow_spread=”2px” box_shadow_horizontal_tablet=”” box_shadow_horizontal_phone=”” box_shadow_horizontal_last_edited=”on|desktop” box_shadow_vertical_tablet=”7px” box_shadow_vertical_phone=”7px” box_shadow_vertical_last_edited=”on|phone” box_shadow_blur_tablet=”” box_shadow_blur_phone=”” box_shadow_blur_last_edited=”on|tablet” box_shadow_spread_tablet=”7px” box_shadow_spread_phone=”7px” box_shadow_spread_last_edited=”on|tablet” locked=”off” global_colors_info=”{}” background_color__hover=”#f7f7f7″ background_enable_color__hover=”on”]<\/p>\n
Comprehensive Review<\/h2>\nOf Existing Policies<\/h2>\n
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The current state of your policy<\/p>\n
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The state of internal rate of return<\/p>\n
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Initial design vs actual performance<\/p>\n
[\/et_pb_text][et_pb_text ul_type=”none” ul_position=”inside” _builder_version=”4.17.6″ _module_preset=”default” text_font=”||||||||” text_text_color=”#0d4c24″ text_font_size=”16px” text_line_height=”1.8em” ul_line_height=”2.6em” header_2_font=”Merriweather||||||||” header_2_font_size=”24px” header_2_line_height=”1.6em” background_color=”#ffffff” text_orientation=”center” custom_margin=”||0px||false|false” custom_margin_tablet=”|145px||145px|false|true” custom_margin_phone=”|30px||30px|false|true” custom_margin_last_edited=”on|tablet” custom_padding=”8px|10px|8px|10px|true|true” custom_padding_tablet=”|0px||0px|true|false” custom_padding_phone=”|0px||0px|true|false” custom_padding_last_edited=”on|tablet” text_font_size_tablet=”14px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”18px” header_2_font_size_phone=”16px” header_2_font_size_last_edited=”on|phone” border_color_all=”rgba(0,0,0,0.06)” border_width_bottom=”1px” locked=”off” global_colors_info=”{}” background__hover_enabled=”on|hover” background_color__hover=”#f7f7f7″ background_enable_color__hover=”on”]<\/p>\n
Special provisions that exist<\/p>\n
[\/et_pb_text][et_pb_text ul_type=”none” ul_position=”inside” _builder_version=”4.17.6″ _module_preset=”default” text_font=”||||||||” text_text_color=”#0d4c24″ text_font_size=”16px” text_line_height=”1.8em” ul_line_height=”2.6em” header_2_font=”Merriweather||||||||” header_2_font_size=”24px” header_2_line_height=”1.6em” background_color=”#ffffff” text_orientation=”center” custom_margin=”||0px||false|false” custom_margin_tablet=”|145px||145px|false|true” custom_margin_phone=”|30px||30px|false|true” custom_margin_last_edited=”on|tablet” custom_padding=”8px|10px|8px|10px|true|true” custom_padding_tablet=”|0px||0px|true|false” custom_padding_phone=”|0px||0px|true|false” custom_padding_last_edited=”on|tablet” text_font_size_tablet=”14px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”18px” header_2_font_size_phone=”16px” header_2_font_size_last_edited=”on|phone” border_color_all=”rgba(0,0,0,0.06)” border_width_bottom=”1px” locked=”off” global_colors_info=”{}” background__hover_enabled=”on|hover” background_color__hover=”#f7f7f7″ background_enable_color__hover=”on”]<\/p>\n
Beneficiaries and other updates<\/p>\n
[\/et_pb_text][et_pb_text ul_type=”none” ul_position=”inside” _builder_version=”4.17.6″ _module_preset=”default” text_font=”||||||||” text_text_color=”#0d4c24″ text_font_size=”16px” text_line_height=”1.8em” ul_line_height=”2.6em” header_2_font=”Merriweather||||||||” header_2_font_size=”24px” header_2_line_height=”1.6em” background_color=”#ffffff” text_orientation=”center” custom_margin=”||0px||false|false” custom_margin_tablet=”|145px||145px|false|true” custom_margin_phone=”|30px||30px|false|true” custom_margin_last_edited=”on|tablet” custom_padding=”8px|10px|8px|10px|true|true” custom_padding_tablet=”8px|0px|8px|0px|true|false” custom_padding_phone=”8px|0px|8px|0px|true|false” custom_padding_last_edited=”on|tablet” text_font_size_tablet=”14px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”18px” header_2_font_size_phone=”16px” header_2_font_size_last_edited=”on|phone” border_color_all=”rgba(0,0,0,0.06)” border_width_bottom=”1px” locked=”off” global_colors_info=”{}” background__hover_enabled=”on|hover” background_color__hover=”#f7f7f7″ background_enable_color__hover=”on”]<\/p>\n
Cash values and design details<\/p>\n
[\/et_pb_text][et_pb_text ul_type=”none” ul_position=”inside” _builder_version=”4.17.6″ _module_preset=”default” text_font=”||||||||” text_text_color=”#0d4c24″ text_font_size=”16px” text_line_height=”1.8em” ul_line_height=”2.6em” header_2_font=”Merriweather||||||||” header_2_font_size=”24px” header_2_line_height=”1.6em” background_color=”#ffffff” text_orientation=”center” custom_margin=”||0px||false|false” custom_margin_tablet=”|145px||145px|false|true” custom_margin_phone=”|30px||30px|false|true” custom_margin_last_edited=”on|tablet” custom_padding=”8px|10px|8px|10px|true|true” custom_padding_tablet=”8px|0px|8px|0px|true|false” custom_padding_phone=”||10px||false|true” custom_padding_last_edited=”on|phone” text_font_size_tablet=”14px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”18px” header_2_font_size_phone=”16px” header_2_font_size_last_edited=”on|phone” border_radii=”off|||10px|10px” border_color_all=”rgba(0,0,0,0.06)” border_width_bottom=”1px” locked=”off” global_colors_info=”{}” background__hover_enabled=”on|hover” background_color__hover=”#f7f7f7″ background_enable_color__hover=”on”]<\/p>\n
Evaluate paid-up options<\/p>\n
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Evaluate Needs And<\/h2>\nDesign A New Policy<\/h2>\n
[\/et_pb_text][et_pb_text ul_type=”none” ul_position=”inside” _builder_version=”4.17.6″ _module_preset=”default” text_font=”||||||||” text_text_color=”#0d4c24″ text_font_size=”16px” text_line_height=”1.8em” ul_line_height=”2.6em” header_2_font=”Merriweather||||||||” header_2_font_size=”24px” header_2_line_height=”1.6em” background_color=”#ffffff” text_orientation=”center” custom_margin=”||0px||false|false” custom_margin_tablet=”|145px|0px|145px|false|true” custom_margin_phone=”|30px||30px|false|true” custom_margin_last_edited=”on|tablet” custom_padding=”8px|10px|8px|10px|true|true” text_font_size_tablet=”14px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”18px” header_2_font_size_phone=”16px” header_2_font_size_last_edited=”on|phone” border_radii=”off|10px|10px||” border_color_all=”rgba(0,0,0,0.06)” border_width_bottom=”1px” locked=”off” global_colors_info=”{}” background_color__hover=”#f7f7f7″ background_enable_color__hover=”on” background__hover_enabled=”on|hover”]<\/p>\n
Confirm that this strategy is appropriate<\/p>\n
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Establish goals and priorities<\/p>\n
[\/et_pb_text][et_pb_text ul_type=”none” ul_position=”inside” _builder_version=”4.17.6″ _module_preset=”default” text_font=”||||||||” text_text_color=”#0d4c24″ text_font_size=”16px” text_line_height=”1.8em” ul_line_height=”2.6em” header_2_font=”Merriweather||||||||” header_2_font_size=”24px” header_2_line_height=”1.6em” background_color=”#ffffff” text_orientation=”center” custom_margin=”||0px||false|false” custom_margin_tablet=”|145px||145px|false|true” custom_margin_phone=”|30px||30px|false|true” custom_margin_last_edited=”on|tablet” custom_padding=”8px|10px|8px|10px|true|true” text_font_size_tablet=”14px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”18px” header_2_font_size_phone=”16px” header_2_font_size_last_edited=”on|phone” border_color_all=”rgba(0,0,0,0.06)” border_width_bottom=”1px” locked=”off” global_colors_info=”{}” background_color__hover=”#f7f7f7″ background_enable_color__hover=”on” background__hover_enabled=”on|hover”]<\/p>\n
Discuss and decide which type<\/p>\n
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Execute initial design options<\/p>\n
[\/et_pb_text][et_pb_text ul_type=”none” ul_position=”inside” _builder_version=”4.17.6″ _module_preset=”default” text_font=”||||||||” text_text_color=”#0d4c24″ text_font_size=”16px” text_line_height=”1.8em” ul_line_height=”2.6em” header_2_font=”Merriweather||||||||” header_2_font_size=”24px” header_2_line_height=”1.6em” background_color=”#ffffff” text_orientation=”center” custom_margin=”||0px||false|false” custom_margin_tablet=”|145px|0px|145px|false|true” custom_margin_phone=”|30px||30px|false|true” custom_margin_last_edited=”on|tablet” custom_padding=”8px|10px|8px|10px|true|true” text_font_size_tablet=”14px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”18px” header_2_font_size_phone=”16px” header_2_font_size_last_edited=”on|phone” border_color_all=”rgba(0,0,0,0.06)” border_width_bottom=”1px” locked=”off” global_colors_info=”{}” background_color__hover=”#f7f7f7″ background_enable_color__hover=”on” background__hover_enabled=”on|hover”]<\/p>\n
Review various designs and fine tune<\/p>\n
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Decide on the final design consideration<\/p>\n
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Establish timeline and execute<\/p>\n
[\/et_pb_text][et_pb_image src=”https:\/\/taxsmartinvesting.org\/wp-content\/uploads\/2022\/07\/advice-inspire2.png” title_text=”advice-inspire2″ _builder_version=”4.17.6″ _module_preset=”default” transform_scale=”30%|30%” transform_scale_tablet=”30%|30%” transform_scale_phone=”30%|30%” transform_scale_last_edited=”on|desktop” transform_translate_tablet=”” transform_translate_phone=”” transform_translate_last_edited=”on|desktop” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|desktop” custom_margin=”-85px||||false|false” custom_margin_tablet=”-290px||-450px||false|false” custom_margin_phone=”-175px||-300px||false|false” custom_margin_last_edited=”on|desktop” transform_styles_tablet=”” transform_styles_phone=”” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.17.6″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_stops=”#367215 20%|#ffffff 52%” background_enable_image=”off” custom_padding=”|20px|160px|20px|false|true” background_last_edited=”on|phone” use_background_color_gradient_tablet=”on” use_background_color_gradient_phone=”on” background_color_gradient_stops_tablet=”#367215 20%|#ffffff 100%” background_color_gradient_stops_phone=”#367215 20%|#ffffff 100%” global_colors_info=”{}”][et_pb_text content_tablet=”<\/p>\n
Collaborate With Other<\/h2>\nProfessionals<\/h2>\n
” content_phone=”<\/p>\n
Collaborate With Other<\/h2>\nProfessionals<\/h2>\n
” content_last_edited=”on|phone” _builder_version=”4.17.6″ _module_preset=”default” header_2_font=”|700|||||||” header_2_font_size=”24px” header_2_line_height=”1.3em” background_color=”#ffffff” text_orientation=”center” custom_margin=”-80px||20px||false|false” custom_margin_tablet=”-10px||20px||false|false” custom_margin_phone=”|30px||30px|false|true” custom_margin_last_edited=”on|tablet” custom_padding=”8px||8px||true|false” header_2_font_size_tablet=”18px” header_2_font_size_phone=”16px” header_2_font_size_last_edited=”on|phone” header_2_line_height_tablet=”1.3em” header_2_line_height_phone=”1em” header_2_line_height_last_edited=”on|phone” header_2_text_shadow_style=”preset3″ border_radii=”on|10px|10px|10px|10px” box_shadow_style=”preset3″ box_shadow_vertical=”2px” box_shadow_spread=”2px” box_shadow_vertical_tablet=”2px” box_shadow_vertical_phone=”2px” box_shadow_vertical_last_edited=”on|desktop” box_shadow_spread_tablet=”2px” box_shadow_spread_phone=”2px” box_shadow_spread_last_edited=”on|desktop” locked=”off” global_colors_info=”{}” background_color__hover=”#f7f7f7″ background_enable_color__hover=”on”]<\/p>\n
Collaborate With Other<\/h2>\nProfessionals<\/h2>\n
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Establish what the requirements are<\/p>\n
[\/et_pb_text][et_pb_text ul_type=”none” ul_position=”inside” _builder_version=”4.17.6″ _module_preset=”default” text_font=”||||||||” text_text_color=”#0d4c24″ text_font_size=”16px” text_line_height=”1.8em” ul_line_height=”2.6em” header_2_font=”Merriweather||||||||” header_2_font_size=”24px” header_2_line_height=”1.6em” background_color=”#ffffff” text_orientation=”center” custom_margin=”||0px||false|false” custom_margin_tablet=”|145px|0px|145px|false|true” custom_margin_phone=”|30px||30px|false|true” custom_margin_last_edited=”on|tablet” custom_padding=”8px|10px|8px|10px|true|true” text_font_size_tablet=”14px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”18px” header_2_font_size_phone=”16px” header_2_font_size_last_edited=”on|phone” border_color_all=”rgba(0,0,0,0.06)” border_width_bottom=”1px” locked=”off” global_colors_info=”{}” background_color__hover=”#f7f7f7″ background_enable_color__hover=”on” background__hover_enabled=”on|hover”]<\/p>\n
Introductions or meetings scheduled<\/p>\n
[\/et_pb_text][et_pb_text ul_type=”none” ul_position=”inside” _builder_version=”4.17.6″ _module_preset=”default” text_font=”||||||||” text_text_color=”#0d4c24″ text_font_size=”16px” text_line_height=”1.8em” ul_line_height=”2.6em” header_2_font=”Merriweather||||||||” header_2_font_size=”24px” header_2_line_height=”1.6em” background_color=”#ffffff” text_orientation=”center” custom_margin=”||0px||false|false” custom_margin_tablet=”|145px|0px|145px|false|true” custom_margin_phone=”|30px||30px|false|true” custom_margin_last_edited=”on|tablet” custom_padding=”8px|10px|8px|10px|true|true” text_font_size_tablet=”14px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”18px” header_2_font_size_phone=”16px” header_2_font_size_last_edited=”on|phone” border_color_all=”rgba(0,0,0,0.06)” border_width_bottom=”1px” locked=”off” global_colors_info=”{}” background_color__hover=”#f7f7f7″ background_enable_color__hover=”on” background__hover_enabled=”on|hover”]<\/p>\n
Conduct meetings\/ fact finding<\/p>\n
[\/et_pb_text][et_pb_text ul_type=”none” ul_position=”inside” _builder_version=”4.17.6″ _module_preset=”default” text_font=”||||||||” text_text_color=”#0d4c24″ text_font_size=”16px” text_line_height=”1.8em” ul_line_height=”2.6em” header_2_font=”Merriweather||||||||” header_2_font_size=”24px” header_2_line_height=”1.6em” background_color=”#ffffff” text_orientation=”center” custom_margin=”||0px||false|false” custom_margin_tablet=”|145px|0px|145px|false|true” custom_margin_phone=”|30px||30px|false|true” custom_margin_last_edited=”on|tablet” custom_padding=”8px|10px|8px|10px|true|true” text_font_size_tablet=”14px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”18px” header_2_font_size_phone=”16px” header_2_font_size_last_edited=”on|phone” border_color_all=”rgba(0,0,0,0.06)” border_width_bottom=”1px” locked=”off” global_colors_info=”{}” background_color__hover=”#f7f7f7″ background_enable_color__hover=”on” background__hover_enabled=”on|hover”]<\/p>\n
Delegate action items and timeline<\/p>\n
[\/et_pb_text][et_pb_text ul_type=”none” ul_position=”inside” _builder_version=”4.17.6″ _module_preset=”default” text_font=”||||||||” text_text_color=”#0d4c24″ text_font_size=”16px” text_line_height=”1.8em” ul_line_height=”2.6em” header_2_font=”Merriweather||||||||” header_2_font_size=”24px” header_2_line_height=”1.6em” background_color=”#ffffff” text_orientation=”center” custom_margin=”||0px||false|false” custom_margin_tablet=”|145px|0px|145px|false|true” custom_margin_phone=”|30px||30px|false|true” custom_margin_last_edited=”on|tablet” custom_padding=”8px|10px|8px|10px|true|true” text_font_size_tablet=”14px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”18px” header_2_font_size_phone=”16px” header_2_font_size_last_edited=”on|phone” border_color_all=”rgba(0,0,0,0.06)” border_width_bottom=”1px” locked=”off” global_colors_info=”{}” background_color__hover=”#f7f7f7″ background_enable_color__hover=”on” background__hover_enabled=”on|hover”]<\/p>\n
Follow up meetings\/ check-ins<\/p>\n
[\/et_pb_text][et_pb_text ul_type=”none” ul_position=”inside” _builder_version=”4.17.6″ _module_preset=”default” text_font=”||||||||” text_text_color=”#0d4c24″ text_font_size=”16px” text_line_height=”1.8em” ul_line_height=”2.6em” header_2_font=”Merriweather||||||||” header_2_font_size=”24px” header_2_line_height=”1.6em” background_color=”#ffffff” text_orientation=”center” custom_margin=”||0px||false|false” custom_margin_tablet=”|145px||145px|false|true” custom_margin_phone=”|30px||30px|false|true” custom_margin_last_edited=”on|tablet” custom_padding=”8px|10px|8px|10px|true|true” text_font_size_tablet=”14px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”18px” header_2_font_size_phone=”16px” header_2_font_size_last_edited=”on|phone” border_color_all=”rgba(0,0,0,0.06)” border_width_bottom=”1px” locked=”off” global_colors_info=”{}” background_color__hover=”#f7f7f7″ background_enable_color__hover=”on” background__hover_enabled=”on|hover”]<\/p>\n
Finalize details\/ re-evaluate<\/p>\n
[\/et_pb_text][et_pb_text ul_type=”none” ul_position=”inside” _builder_version=”4.17.6″ _module_preset=”default” text_font=”||||||||” text_text_color=”#0d4c24″ text_font_size=”16px” text_line_height=”1.8em” ul_line_height=”2.6em” header_2_font=”Merriweather||||||||” header_2_font_size=”24px” header_2_line_height=”1.6em” background_color=”#ffffff” text_orientation=”center” custom_margin=”||0px||false|false” custom_margin_tablet=”|145px|0px|145px|false|true” custom_margin_phone=”|30px||30px|false|true” custom_margin_last_edited=”on|tablet” custom_padding=”8px|10px|8px|10px|true|true” custom_padding_tablet=”8px|10px|8px|10px|true|true” custom_padding_phone=”8px|10px|10px|10px|false|true” custom_padding_last_edited=”on|phone” text_font_size_tablet=”14px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_2_font_size_tablet=”18px” header_2_font_size_phone=”16px” header_2_font_size_last_edited=”on|phone” border_radii=”off|||10px|10px” border_color_all=”rgba(0,0,0,0.06)” border_width_bottom=”1px” locked=”off” global_colors_info=”{}” background_color__hover=”#f7f7f7″ background_enable_color__hover=”on” background__hover_enabled=”on|hover”]<\/p>\n
Complete process\/ execute<\/p>\n
[\/et_pb_text][et_pb_image src=”https:\/\/taxsmartinvesting.org\/wp-content\/uploads\/2022\/07\/human-behavior.png” title_text=”human-behavior” _builder_version=”4.17.6″ _module_preset=”default” transform_scale=”41%|41%” transform_scale_tablet=”41%|41%” transform_scale_phone=”41%|41%” transform_scale_last_edited=”on|desktop” transform_translate_tablet=”” transform_translate_phone=”” transform_translate_last_edited=”on|desktop” transform_rotate_tablet=”” transform_rotate_phone=”” transform_rotate_last_edited=”on|desktop” transform_skew_tablet=”” transform_skew_phone=”” transform_skew_last_edited=”on|desktop” transform_origin_tablet=”” transform_origin_phone=”” transform_origin_last_edited=”on|desktop” transform_styles_last_edited=”on|desktop” custom_margin=”-7px||||false|false” custom_margin_tablet=”-155px||-430px||false|false” custom_margin_phone=”-90px||-325px||false|false” custom_margin_last_edited=”on|desktop” transform_styles_tablet=”” transform_styles_phone=”” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”The life insurance policy best suited for your needs begins with care in its design ” content_max_width=”1100px” content_tablet=”<\/p>\n
<\/strong><\/span><\/h4>\nProperly and responsibly <\/strong><\/span>designed<\/strong><\/span> permanent life <\/strong><\/span>insurance <\/strong><\/span><\/h4>\nplanning <\/strong>requires <\/strong>three <\/strong><\/span>factors for success:<\/strong><\/span><\/h4>\n<\/strong><\/p>\nThe primary consideration<\/strong> is the expertise of the advisor you partner with. They must be aware of all factors that could positively or negatively affect you in this process, including the inner workings of each policy and the company behind its contract.<\/p>\nThe second consideration<\/b> is that the advisor cannot be employed by or tied exclusively to any one company. They must have the ability to evaluate all companies that represent your best interests, not their own or those of an insurance carrier that requires them to maintain their contract.<\/p>\n
The last consideration<\/strong> is the most important. The process should be a joint effort. One that allows you a clear understanding of all the details, an explanation of the variables, and even how outside factors could affect the policy in the future. Only then, should you study your specific options and selection process.<\/p>\n” content_phone=”<\/p>\n
<\/strong><\/span><\/h4>\nProperly and responsibly <\/strong><\/span>designed<\/strong><\/span> <\/strong><\/span><\/h4>\npermanent life <\/strong><\/span>insurance planning <\/strong><\/span><\/h4>\nrequires <\/strong><\/span>three<\/span> <\/strong>factors for success:<\/strong><\/span><\/h4>\n<\/p>\nThe primary consideration<\/strong> is the expertise of the advisor you partner with. They must be aware of all factors that could positively or negatively affect you in this process, including the inner workings of each policy and the company behind its contract.<\/p>\nThe second consideration<\/b> is that the advisor cannot be employed by or tied exclusively to any one company. They must have the ability to evaluate all companies that represent your best interests, not their own or those of an insurance carrier that requires them to maintain their contract.<\/p>\n
The last consideration<\/strong> is the most important. The process should be a joint effort. One that allows you a clear understanding of all the details, an explanation of the variables, and even how outside factors could affect the policy in the future. Only then, should you study your specific options and selection process.<\/p>\n” content_last_edited=”on|tablet” content_max_width_tablet=”1100px” content_max_width_phone=”1100px” content_max_width_last_edited=”on|desktop” _builder_version=”4.17.6″ _module_preset=”default” header_font=”|600|||||||” header_text_align=”center” header_font_size=”52px” body_text_color=”#0d4c24″ body_font_size=”15px” custom_margin=”-250px||||false|false” custom_margin_tablet=”80px||||false|false” custom_margin_phone=”75px|-5px||-5px|false|true” custom_margin_last_edited=”on|phone” header_font_size_tablet=”52px” header_font_size_phone=”37px” header_font_size_last_edited=”on|desktop” header_line_height_tablet=”1.2em” header_line_height_phone=”1.2em” header_line_height_last_edited=”on|phone” body_line_height_tablet=”” body_line_height_phone=”1.7em” body_line_height_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n
<\/strong><\/span><\/h4>\nProperly and responsibly <\/strong><\/span>designed<\/strong><\/span> permanent life\u00a0<\/strong><\/span>insurance planning requires <\/strong><\/span>three\u00a0<\/strong><\/span>factors for success:<\/strong><\/span><\/h4>\n <\/p>\n
The primary consideration<\/strong>\u00a0is the expertise of the advisor you partner with. They must be aware of all factors that could positively or negatively affect you in this process, including the inner workings of each policy and the company behind its contract.<\/p>\nThe second consideration<\/b> is that the advisor cannot be employed by or tied exclusively to any one company. They must have the ability to evaluate all companies that represent your best interests, not their own or those of an insurance carrier that requires them to maintain their contract.<\/p>\n
The last consideration<\/strong> is the most important. The process should be a joint effort. One that allows you a clear understanding of all the details, an explanation of the variables, and even how outside factors could affect the policy in the future. Only then, should you study your specific options and selection process.<\/p>\n[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Feature” _builder_version=”4.17.6″ _module_preset=”default” background_color=”#000000″ height=”777px” height_tablet=”777px” height_phone=”777px” height_last_edited=”on|desktop” max_height_tablet=”” max_height_phone=”” max_height_last_edited=”on|desktop” custom_padding=”||0px||false|false” box_shadow_style=”preset1″ global_colors_info=”{}”][et_pb_row column_structure=”2_5,3_5″ use_custom_gutter=”on” gutter_width=”1″ make_equal=”on” _builder_version=”4.17.6″ _module_preset=”default” custom_margin=”|||||true” custom_margin_tablet=”||||false|false” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|tablet” custom_padding=”||0px|||” module_alignment_tablet=”right” module_alignment_phone=”right” module_alignment_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.17.6″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/taxsmartinvesting.org\/wp-content\/uploads\/2022\/07\/what-life-insurance-can-mean-to-you-scaled.jpg” alt=”tax smart investing and planning” title_text=”what-life-insurance-can mean-to-you” align=”right” _builder_version=”4.17.6″ _module_preset=”default” background_enable_image=”off” parallax=”on” parallax_method=”off” transform_skew_linked=”off” custom_margin=”-80px|||-4vw|false|false” custom_margin_tablet=”-60px|1vw||30vw|false|false” custom_margin_phone=”|2vw||-16vw|false|false” custom_margin_last_edited=”on|phone” custom_padding=”||||false|false” module_alignment_tablet=”center” module_alignment_phone=”center” module_alignment_last_edited=”on|tablet” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.17.6″ _module_preset=”default” text_font=”|700|||||||” text_font_size=”16px” background_layout=”dark” custom_margin=”-480px|540px||-375px|false|false” custom_margin_tablet=”-400px|400px|250px|-115px|false|false” custom_margin_phone=”-540px|25px|500px|-54px|false|false” custom_margin_last_edited=”on|phone” custom_padding_tablet=”” custom_padding_phone=”” custom_padding_last_edited=”on|tablet” text_font_size_tablet=”16px” text_font_size_phone=”14px” text_font_size_last_edited=”on|desktop” text_text_shadow_style=”preset3″ text_text_shadow_blur_strength=”0.45em” text_text_shadow_horizontal_length_last_edited=”off|tablet” text_text_shadow_vertical_length_last_edited=”off|tablet” text_text_shadow_blur_strength_last_edited=”off|desktop” global_colors_info=”{}”]<\/p>\n
If you wish to explore Life Insurance Planning, we have successfully placed clients in this strategy time and time again, when their circumstances and needs aligned to make this the right tool for their long-term planning.<\/p>\n
[\/et_pb_text][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.17.6″ _module_preset=”default” background_enable_image=”off” background_position=”top_left” custom_padding=”16%|||13%|false|false” custom_padding_tablet=”16%||16%|13%|true|false” custom_padding_phone=”” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_text content_tablet=”<\/p>\n
With proper execution, <\/strong><\/h2>\nl<\/strong>ife insurance planning can<\/strong><\/h2>\n strengthen all of your other<\/strong> financial<\/strong><\/h2>\n objectives, <\/strong>through care and expertise<\/h2>\nin design, built to last you a lifetime.<\/h2>\n
” content_phone=”<\/p>\n
With proper<\/h2>\nexecution, l<\/strong>ife <\/strong><\/h2>\ninsurance planning can<\/strong><\/h2>\n strengthen all of your <\/strong><\/h2>\nother<\/strong> financial objectives, <\/strong><\/h2>\nthrough care and expertise in<\/h2>\ndesign, built to last you a lifetime.<\/h2>\n
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With proper execution, <\/strong><\/h2>\nl<\/strong>ife insurance planning can<\/strong><\/h2>\n strengthen all of your other<\/strong><\/h2>\n financial objectives, <\/strong>through care<\/h2>\nand expertise in design, built to\u00a0last you<\/h2>\na lifetime.<\/h2>\n
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Life Insurance Planning May Have A Place In Your Overall Planning… A view from the opposite side of investment riskWhat life insurance\u00a0planning represents\u00a0is a tool There are plenty of online options for the masses to find the most affordable life insurance. If your life insurance needs are beyond the ordinary, you need appropriate proficiencies […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-240982","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/taxsmartinvesting.org\/es\/wp-json\/wp\/v2\/pages\/240982","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/taxsmartinvesting.org\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/taxsmartinvesting.org\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/taxsmartinvesting.org\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/taxsmartinvesting.org\/es\/wp-json\/wp\/v2\/comments?post=240982"}],"version-history":[{"count":180,"href":"https:\/\/taxsmartinvesting.org\/es\/wp-json\/wp\/v2\/pages\/240982\/revisions"}],"predecessor-version":[{"id":241399,"href":"https:\/\/taxsmartinvesting.org\/es\/wp-json\/wp\/v2\/pages\/240982\/revisions\/241399"}],"wp:attachment":[{"href":"https:\/\/taxsmartinvesting.org\/es\/wp-json\/wp\/v2\/media?parent=240982"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}