Protecting What Matter Most

 Your income protects your family, but who protects your income?  I help you provide for your loved ones whether you pass on, become ill, disabled or to old to work.  Lets’ set up protection for your family's today, and your tomorrow

We are taught life insurance is for use in case of death.  But just like you would not buy a 20th century cell phone that only makes calls, today’s 21st century insurance plans are designed with new benefits you can use before death. Tell me the life goals you need to protect, and I can custom fit protection that adds value by helping you achieve those goals sooner. 

Where I help, The Basics:

• Could your family maintain the lifestyle you want for them if suddenly you were gone or incapacitated?  
• Secondly, as insurance products evolve, a policy purchased years ago may not contain benefits available today or might not be appropriate for your current needs.  I will review what you currently have and identify any areas for cost effective improvement.
• Next, we identify the dreams you are working towards.   Children’s education, dream home and comfortable retirement are just a few events prior planning can not only protect; but help pay for, potentially tax free.

Business Protection:

Business owners know the value of protection, but what plan do you have in place?  Are there partners?  How does a serious or prolonged injury affect the business?  Are heirs protected and a funded succession plan in place?

Retirement/Emergency Supplemental 

Income:  

A properly funded policy can provide a financial cushion for emergencies and retirement income.  While most insurance is thought of as a “use it or lose it”, we can design a plan with living benefits you can use in case of major medical emergencies and build cash value to use later as you see fit.  When properly structured, again tax free.

Tax Management of Supplemental Income:

By leveraging the IRS code 7702 regarding taxation and life insurance, we can set up a policy with tax deferred growth now and potentially tax free income later. 

Leverage Premium Finance:

Once only for the “ultra rich”, I have  access to a plan designed for small business owners and executives/higher income individuals to finance premiums for insurance as part of retirement supplement planning.  By leveraging premiums, larger policy face amounts provide more protection and greater growth per dollar.  Great for those who have maxed out 401K and traditional retirement plans.  Also, these plans do not have the documentation, line of credit or personal guarantee requirements of traditional premium financing.

Partnership:

My affiliation with Goldline Insurance and Financial Services allows me to craft the right products for your protection, free from captured agent or sales quotas restrictions.   Visit Goldline at www.goldline-financial.com

I have access to leading financial companies such as National Life Group, One Resource Group, Dickerson Insurance Services, New Investors World,  Aflac in addition to various individual insurance companies.