Strategic Uses of Life Insurance
It is our experience that most high net worth individuals have acquired some level of insurance. The difference is, our clients know:
- How low interest rates affect their current insurance performance
- If their policies will remain in force
- If they can and should do a tax-free exchange to an updated fully-guaranteed product
Through M Financial we offer proprietary products for high net worth individuals with premiums that are 10-15% lower than the public marketplace. After discussing your goals and objectives, we will analyze, design and implement a personalized plan that is right for you.
Analysis – Is your insurance portfolio focused for:
- Purpose of insurance
- Performance
- Product
- Premium
- Tax efficiency
Design and implementation:
- Product and carrier selection and diversification
- Controlled underwriting with negotiated offers
- Design of tax efficient payment sources
- Ownership integrated with your wealth succession plan
- Emphasis on multi-generational tax-free planning
Let our dedicated team of experienced professionals review the effectiveness and efficiency of your policies!
