The same holds true of small and large companies. They may wish to protect their company interests with Key Man coverage* whereby the company retains a financial control of the life insurance policy and its cash values-thus making it an asset of the corporation; but they also wish to provide a long term incentive for the key employee where one day the policy ownership will pass over to the key employee! Providing the key employee significant life insurance coverage for his family and the corporation as their interests may appear allows for an agreement to be set up so that on the date of transfer, the corporation is REIMBURSED all the premiums it paid on the life policy over the years thus losing only the time value of the premium dollars spent for the key employee! Call us if you would like to learn to how to offer this benefit to your key employees! Or perhaps a Buy-Sell agreement between owners would make the owners more comfortable knowing that should any owner unexpectedly die the company will at least have a substantial in-flow of tax free cash to support the hiring of one or several employees to offset the unexpected loss of one of the owners. A benefit could also be established for the owner's family as well, should that be a concern to any and all owners! Call us now if you would like to learn how this type of planning will help keep your company viable should an unexpected loss occur to any one of the corporations key people or owners. *As mentioned earlier; we are not attorneys nor do we offer legal advice on the drafting of such necessary documents and contracts. We work with numerous lawyers and law firms throughout FL and the country that could assist any client or broker/GA towards the facilitation and placement of such coverage.

We all wished we had our own individual 'bailout plan'! We may be of assistance to you if you have a policy you wish to life settle. This requires due consideration from the client's perspective as you are trading your life policy and future insurable capacity for a lump sum of cash. Each person's situation is unique and none of us should judge another. If your particular situation is such that you can no longer afford the premiums or the heirs you cared most about are now deceased or other family situations have motivated you to seriously consider selling your life insurance policy; then read our 'Life Settlement' section on this website and give us a call.

We offer the fairest, most direct and cleanest life settlement process in the country. Give us a call as to how to proceed with your particular situation! (broker/GA's should also familiarize themselves with our 'Life Settlement' section as you will find our methodology to be such that you would place your own father/mother/brother/sister/best friend's life insurance policy through us if the circumstances dictated).

The credit crunch has effected all marketplaces BUT each marketplace is making strides towards coming back. Premium Financed Life (PFL) Insurance is still a viable option for larger estates seeking the protection from shrinkage of estate/state taxes by way of life insurance protection financed through a third party. Call us if you have an interest in learning more about PFL and how it may be the solution to your estate planning concerns!
(broker/GA's will need to  complete the proper fact finders for their clientele for us to advise which PFL program may be best for your client).

The Life Settlement marketplace contracted and is now expanding once again!
Offering policyholders more than just the cash value of their life policy or extended term as their only options from  their chosen insurance company is the motivation to enter the Life Settlement marketplace. And certain insurance companies are now incorporating into their policies the option for Life Settlement should the client's circumstances so dictate at some future point in time! Call us to learn more and read up on Life Settlement's under our 'Life Settlement' section on this site.

In just a few hours you could learn a variety of ways to conserve your estate, insure your income, provide incentives for your key employees, eliminate the risk to your company of losing any one or several owners, neutralize the threat of eroding your retirement nest egg from the need for extended Long Term Care (LTC) as once we cross 65 the chances of needing Long Term care increase significantly to where it is critical to have this coverage in place past age 85--do you realize a person purchasing LTC at age 50 pays LESS in premiums than a person who waits to purchase the coverage at age 65 assuming the claim starts after 80 or so!!

Plus, the person who purchased the coverage at age 50 did NOT risk their insurability! Once a person is diagnosed with any of a number of serious medical maladies they no longer are eligible for LTC coverage by any quality LTC insurer! Call us today and start the process of securing your quality LTC coverage (broker's and GA's should inquire as to the benefits of pooling their production through us to gain increased benefits).