Estate protection insurance uses life insurance to cover estate taxes and settlement costs so your heirs receive the inheritance you planned for them, not a reduced amount after forced asset sales.
The gap between what you own and what your heirs actually receive can be substantial. Estate taxes, settlement costs, and outstanding debts all reduce the inheritance you intend to leave. When the estate is mostly illiquid — real estate, a business, investment property — your heirs may be forced to sell to cover the tax bill.
A life insurance policy provides a tax-free death benefit to cover those costs. When held in an irrevocable life insurance trust (ILIT), the proceeds are excluded from your taxable estate and protected from creditors. We coordinate policy placement with the attorneys who prepare your trust documents so everything is structured correctly from day one.
Your heirs should not have to sell the family home or liquidate your business to pay the estate tax bill. The right insurance policy makes sure they never have to.
Protecting your estate with insurance involves coordination between your insurance and legal teams.
We evaluate your estate to determine whether you have potential tax exposure and how much liquidity your heirs will need.
We work with licensed agents to determine the right amount and type of life insurance for your estate protection needs.
If appropriate, an irrevocable life insurance trust is created to own the policy and keep the proceeds out of your taxable estate.
We make sure the policy, the trust, and your overall estate plan all work together as a single strategy.
We evaluate your estate to determine whether you have potential tax exposure and how much liquidity your heirs will need.
We work with licensed agents to determine the right amount and type of life insurance for your estate protection needs.
If appropriate, an irrevocable life insurance trust is created to own the policy and keep the proceeds out of your taxable estate.
We make sure the policy, the trust, and your overall estate plan all work together as a single strategy.
If your estate could face taxes or liquidity shortfalls, insurance may be the most efficient solution.
Estates above the federal exemption threshold face a 40 percent estate tax rate. Insurance provides the cash to pay it.
If your business is a large part of your estate, your heirs may need liquidity to keep it running or pay taxes.
Multiple properties create estate value but not cash. Insurance closes the liquidity gap.
If you want each heir to receive a defined amount, insurance ensures the estate can deliver it.
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