Personal Life Insurance

Corporate Owned Life Insurance (COLI)

Over 68% of Fortune 1000 companies utilize life insurance as part of their Supplemental Executive Retirement Plans (SERPs).  These can be structured as tax advantaged deferred compensation plans with zero contribution limits.  While owned by the company, the policy is an asset on the books, and premiums may be a deductable expense.  If the company chooses to pay the taxes on premiums paid, the owner may take tax advantaged distributions from the policy.

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Tax Advantages

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No Contribution Limits

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Asset to the Company

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Highly Prized Employee Benefit

Buy/Sell Agreement Policies

Many partnerships have legal requirements for partners to have life insurance policies on each other.  In the event of a tragic and unexpected passing, the surviving heirs are many times bequeathed the passing partner’s interest in the business.  The buy/sell agreement life insurance policies give the surviving partners access to immediate cash, tax free, to buy the passing partners shares from their family.

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Prudent Business Succession Planning

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Protects Partnership

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Immediate Access to Tax Free Cash

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Peace of Mind that the Surviving Family Will Receive Money in a Difficult Time

Supplemental Executive Retirement Plans (SERP’s)

Over 68% of Fortune 1000 companies utilize life insurance for their Supplemental Executive Retirement Plans*.  Why?  The plans can be given individually to select, highly compensated individuals (not required to follow ERISA laws), they are very flexible, and highly desireable as a form of bonus compensation.

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Tax Advantaged

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Attract and Retain Top Talent

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No IRS contribution limits

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Can be deductible business expense

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Can provide tax advantaged distributions in retirement

Personal Life Insurance

Today’s life insurance has so many benefits.  Once someone understands all that can be done with life insurance, the question ususally isn’t “should I buy”….it’s “how much can I buy?”.  Death benefits designed to protect your family are received tax free.  Cash value in the policy grows tax deferred, and you can access that cash for any reason in the form of tax advantaged distributions. Some policies cash value tracks an index allowing you to participate in market gains and protection from market losses.   Other policies offer the ability to access the death benefit in the event of a qualifying illness or injury to help pay medical bills during trying times.  Today, life insurance is not just about the death benefit…it’s about the living benefits.

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Tax Free Benefit to Protect Your Family

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Cash Value Grows Tax Deferred

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Participate in Market Gains...Not the Losses

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Access Death Benefit to Pay for Medical Bills

Today's IUL's cash value models allow you to participate in market gains and protect you from losses.

The last best tax advantage left!

Long Term Care Insurance is incredibly expensive. Some of today's life insurance policies give you access to the death benefit to help pay costly medical bills.

Many life insurance policies are incredibly expensive...and you'll never know it! That's why it's important to have an independent advisor help you navigate the intentionally vague fee structure of policies.

~ Conrad Metz

Get Started Today

The first step is to schedule a 15 minute phone consultation.  During this time, we will ask about your needs and help you decide if life insurance is a suitable solution for you or your company.

Book a Free 15min Phone Consultation