Estate Planning Insurance
Estate Planning Life Insurance
Private Placement Life Insurance
Private Placement Life Insurance
Private placement life insurance is a form of variable universal life insurance offered privately, rather than through a traditional life insurance carrier. The primary advantages of private placement life insurance are the tax benefits and investment options. Because it is a life insurance product, it capitalizes on the income tax
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A Cautionary Tale for Trust Owned Life Insurance (TOLI)
Life insurance may often be central to a insured’s plans. It can help provide for surviving family, build cash values, provide liquidity to pay estate taxes, and help provide a source of funds for family liquidity. In many situations, an insured chooses not to directly own the life insurance.
Business Planning Solutions
Buy Sell Agreements
Effective buy-sell agreements establish the terms, price and procedures for transferring a departing owner’s interest in the event of a premature death or disability of a business owner, lifetime transfer or sale of the business, or retirement of a key business owners.
Estate Planning Solutions
Split Dollar Life Insurance
A split dollar arrangement can be helpful in estate liquidity planning to minimize income, estate, and gift taxes. This type of plan has been used for years to help individuals with the funding of large premiums, and/or to reduce the cash flow required to fund a much needed life insurance policy.
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About Us
HNW Life Insurance brings sophisticated tax mitigation strategies to the table, and works closely with leading law firms to ensure these ideas are legally and ethically sound. We work to research and implement a custom-designed plan that can save millions.