Insurance Strategies

New life insurance strategies are considered by some to be a “new asset class.” Policies can be used for sophisticated asset allocation considerations. A well-designed insurance strategy can help protect and create wealth.

Some new possibilities offered by insurance include ways to:

  • fund college tuition
  • create lifetime income
  • cover long-term care in a nursing facility or at home
  • create spousal income protection
  • provide an alternative or replacement for other investments like bonds, CDs or savings accounts

Many also use insurance strategies in place of 401(k)s and/or traditional IRAs due to their unique tax advantages, depending on the situation.

Insurance can also be used very effectively for business planning.

Custom Built

Strategic Financial Services can help you analyze how much insurance you need, as well as what insurance products fit you, your family or your business.

We analyze the fine print to find the most suitable policies based on your objectives. Because we are an independent financial advisor not working for just one carrier, we are product agnostic and can select from hundreds of policies available from dozens of competing, highly-rated insurance companies.

It’s our job to know and understand the intricacies and work to obtain the right types and amounts of coverage for the most cost-efficient premiums. We educate you on your options and work with you to make the right decisions for you.