Estate Planning

The true essence of any estate plan is to die in an orderly fashion! Our role is to help you ensure that what you have created during your lifetime is not lost to excess taxation and government intervention after your death. This is accomplished using the following strategies.

Estate Creation:

Life Insurance provides immediate tax-free dollars to allow your family to pay off all debts and maintain their lifestyle, should you die too soon.

Estate Conservation:

Life insurance provides liquid tax-free dollars to pay the cost of tax on capital gains, other taxes, outstanding debts and administration costs arising at the time of death.

Income Replacement:

Disability Income plans provide maximum after-tax income to maintain your present and future lifestyle, without being a burden to your family or business, should you become totally disabled due a critical illness or severe injury.