Estate Planning Services

Our team works with the Clients’ professional advisors (attorneys, CPAs, financial advisors) to analyze and illustrate the economics of insurance structures and funding approaches that best satisfy their specific estate, gift, and tax planning needs.

We can lead or assist with the financial planning discussions that are critical to understanding the financial needs and the strategies that may apply. We believe that time spent mapping out the financial planning needs, risks and resources leads to carefully crafted options for the client to consider.

Once the general plan needs are established, clients often own life insurance outside of their taxable estates through an Irrevocable Life Insurance Trust (“ILIT”) and other trust entities. Insurance acquisitions within these structures are typically funded with existing trust assets, lifetime and annual gift exemptions, intra-family loans and private split dollar applications.

* Structured Insurance Services does not provide legal services

Generational Rate Decline

June 02, 2021

While We All Cheered As Interest Rates Declined… Currently, interest rates for 10-year and 30-year treasury bonds are approximately 1.62% and 2.38%, respectively, just over half the levels of a decade ago. In fact, we’ve...

Borrowing Benefits from Cash Value

May 11, 2021

Borrowing Benefits from Cash Value In addition to being an estate planning solution, cash value life insurance offers unique borrowing opportunities. If you have made premium payments for a permanent life insurance policy or policies...