While many firms attempt to be “all things to all people”, we concentrate on what we do best – innovative life insurance solutions and professional management of individual and “trust-owned” life insurance portfolios.

Through our network of independent representatives, our strategies are designed to meet the following needs:

Wealth Preservation, Maximization and Transfer

A fundamental element to any sound financial plan is protecting the wealth you’ve accumulated, maximizing the value of your estate and positioning assets to efficiently and cost-effectively transfer to your heirs. We’ll provide for these needs through a strategic integration of appropriate trusts and/or life insurance leverage strategies.

Charitable Planning

Your charitable gifts allow you to define the legacy you leave behind, give back to your community in appreciation of your good fortune and help those in need that you hold dear. Our charitable planning services allow you to maximize your gifts and dictate the timing in which they are provided, while also maximizing income, estate and gift tax-efficiency.

Policy Funding and Re-Finance Strategies

Taking a loan to pay policy premiums may be desirable in the right circumstance. Our analysis helps you determine whether doing so will be financially advantageous.

We can help you evaluate whether a sale of your existing policy on the secondary market would be beneficial. This should only be considered if the benefits of the sale exceed those associated with holding onto the present policy.

Private Pensions and Lifetime Income Strategies

The days of company provided pension plans are fading, leaving you to provide for your lifetime income needs personally. You’ve accumulated wealth during your working years and securing a stable and prosperous retirement is the next step. We’ll show you how to position specified assets to ensure your retirement income needs are met for the balance of your lifetime.

Business Succession Planning

It is never too early to begin thinking about your business exit plan. This could include a lump-sum payout, an annuity, the orderly transfer of your business to associates or the next generation of your family. We also provide options to effect a partner buyout.

Deferred Compensation, Buy/Sell Agreements and Key-Man Insurance

Each of these areas requires highly personalized planning based on the unique needs of your firm and key employees. We provide funding strategies for each of these needs based on the specific issues you face and goals you’re trying to achieve.

Long Term Care

Progressively, Long Term Care coverage is being recognized as a critical aspect of retirement planning. Not having made provisions to cover the potentially devastating costs associated with Long Term Care is akin to not having adequate health insurance. In fact, a Long Term Care need can create a larger financial liability than many major health concerns.

InsureAlliance Wealth Strategies professionals can help you determine the appropriate coverage to meet your specific needs, and quite possibly help you find the required premium within your existing insurance budget.