Life Insurance
Life Insurance allows you to make sure that your loved ones have the money they need in the event of your death to pay bills, pay for college, and other necessary expenses. If you’d like to begin the process of getting life insurance from us, fill out our contact form below. If you’ve already decided that Term Insurance is best for you, please go to our Term Insurance page.
Below are just a few of the life insurance-related problems we’ve been able to solve for clients. Click the silver bar for each problem to learn more about how we can solve them.
Estate Tax Mitigation
High net worth individuals and families often face significant estate taxes that can erode the value of their estate. We can design life insurance strategies, such as using an Irrevocable Life Insurance Trust (ILIT), to provide liquidity for estate taxes and preserve the estate’s value for your heirs.
Complex Policy Structures and Options
Navigating the variety of life insurance products and structures can be overwhelming. We can simplify the decision-making process by providing tailored advice on the most suitable policies, whether it’s term, whole, or universal life insurance, ensuring your needs and goals are met.
Ensuring Adequate Coverage
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Determining the appropriate amount of life insurance coverage to protect your family’s financial future can be challenging. We can perform a comprehensive needs analysis to calculate the exact amount of coverage required, ensuring financial security for your dependents. |
Integrating Life Insurance with Your Complete Financial Plan
High net worth individuals and families need to ensure that their life insurance policies align with their broader financial goals and strategies. We can integrate life insurance into your financial plan, coordinating it with other investment, retirement, and estate planning strategies for optimal outcomes.
Premium Management and Cost Efficiency
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Managing the cost of life insurance premiums and ensuring cost efficiency over time can be a concern. We can review and compare policies, recommend premium financing options, and periodically reassess the coverage to ensure it remains cost-effective and suitable for your evolving needs. |
I reached out to Mikhail in need of financial planning with a goal of long-term security for my family. I had reached a point where self-managing wasn’t cutting it and I wanted some expertise and discipline around a current and future view of our financial landscape. Mikhail was able to understand my goals, analyze them in conjunction with our current situation and future market assumptions, and provide a summary and plan for asset allocation.
Would you like to discuss your Life Insurance needs with us?
If you’re interested in working with us, you may call and text us at (781) 237-0123, or scroll down a little and schedule an introductory appointment with a financial advisor by clicking on a date that works for you on the calendar. To let us know which of our products and services you’re interested in, scroll down a bit farther on our contact form, enter the required information on it, click the boxes next to the products and services you’re interested in (click as many as you want!), and click the blue “Submit” button.