Insurance
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Life insurance is a crucial financial tool that serves as a safety net, offering financial stability to cover immediate expenses, such as funeral costs and outstanding debts, while also replacing the income that the insured would have provided to their family. Life insurance is a great estate planning tool, allowing for the efficient transfer of assets to beneficiaries while minimizing potential tax liabilities. Learn more
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Private Placement Life Insurance (PPLI) and Private Placement Variable Annuity (PPVA) are wealth planning tools used by family offices and high-net-worth individuals to invest in a tax efficient manner and transfer wealth to future generations more effectively.
PPLI and PPVA are institutionally-priced variable life insurance and annuity contracts that allow clients to invest on a long-term, income tax deferred and/or tax-eliminated basis. These structures can function as a tax-efficient “asset location” for clients who otherwise invest in tax-inefficient asset classes and strategies.
Unlike traditional insurance contracts, contract fees and costs are fully-transparent and disclosed upfront. Further, the contract investment account is considered segregated from the general assets and liabilities of the carrier.
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Disability insurance is a crucial form of protection that focuses on protecting one's income in the event of a disabling injury or illness that prevents them from working. This insurance coverage provides a vital safety net, offering a portion of the insured person's income as a regular payment, allowing them to cover essential expenses such as mortgage payments, medical bills, and daily living costs. Learn more
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Long-term care insurance covers the costs associated with daily activities, such as bathing, dressing, and eating, due to chronic illnesses, disabilities, or cognitive impairments., including in-home care, assisted living facilities, or nursing homes.
By investing in long-term care insurance, individuals can have peace of mind knowing that they will have access to quality care without depleting their savings or burdening their loved ones with the financial responsibility.
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Health insurance offers coverage for a wide range of medical needs, including doctor visits, hospital stays, prescription medications, preventive care, and specialized treatments.
We help globally based people get premium health insurance.
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Premium Financing is a unique financing solution that enables clients to purchase the life insurance needed without liquidating investments to pay high insurance premiums.
Premiums for the insurance policy are paid by the lender, with the policy cash values pledged as collateral. The policy is designed to capitalize on the potential arbitrage between the financing rate and the cost of borrowing. This potentially allows for sufficient cash accumulation, so that eventually the loan can be repaid while keeping enough cash in the policy to keep the policy in-force for life.
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Ransom kidnapping and extortion insurance is a specialized type of insurance designed to protect individuals and businesses from the financial risks associated with kidnapping, extortion, and related threats.
It typically includes reimbursement for ransom payments, expenses incurred during a kidnapping event, and services provided by crisis management professionals to assist with negotiations and the safe resolution of the situation.