Insurance 

Using life insurance as a wealth accumulation vehicle can provide unique advantages, combining the security of a death benefit with the potential for tax-advantaged growth and financial flexibility.

Benefit You'll Receive

Life insurance can function as a wealth accumulation vehicle, particularly through certain types of permanent life insurance policies such as whole life, universal life, and via a corporate structure. These policies not only provide a death benefit but also include a cash value component that can grow over time, offering policyholders the potential to build wealth.

Business Owned Life Insurance

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This type of life insurance provides coverage and a tax-free lump sum if the insured person (i.e., you, a key employee, or your business partner) dies within the specified period. The payout should cover any company debt, partner buyouts, or other expenses.


Whole Life Insurance

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This type of insurance coverage remains in force for the whole life, making it a permanent life insurance. There are certain whole life policies which have additional advantage of cash accumulation. Cash inside the policy grows tax-free, and is available for the policyholder to withdraw from the policy
if needed.

Term Life Insurance    

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With Term life insurance, you pay a certain amount of money for a term until it renews for another term. If you die during this term when the policy is active, your beneficiaries will be granted a tax-free payment.


Universal Life Insurance

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Universal life policies allow policy holders to invest extra money into the market. Since the cash is in the market, client can earn or lose money in their insurance policies just like the market. It is the type of policy which gives policy holders flexible protection and allows them to chose their investment and payment.



Understanding Life Insurance

Life insurance provides a financial safety net for your loved ones in the event of your passing. It ensures they can maintain their lifestyle, cover expenses, or achieve long-term goals. There are two main types:

Term Life Insurance: Covers you for a specific period (e.g., 10, 20, or 30 years). It’s affordable and ideal for temporary needs like paying off a mortgage or supporting children until they’re independent.
Permanent Life Insurance: Offers lifelong coverage with a cash value component that grows over time. It’s more expensive but provides long-term protection and potential investment benefits.

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