Personal Planning
Proven planning techniques designed to help increase assets for future generations, provide payment for taxes, create income avenues, and fund gifts to charity.
Plan today to achieve tomorrow's goals.
Employing various planning techniques can create an efficient life insurance plan tailored to personal planning objectives. Customized recommendations based on specific needs and goals ensure that each unique planning objective is addressed.
Creating Liquidity
Without careful preparation, taxes can significantly diminish assets, and this erosion of wealth can be compounded if a lack of liquidity is not addressed.
Income Planning
Asset preservation is key, while providing valuable tax-deferred cash value growth, which can be leveraged for future income to use for retirement or other endeavors.
Legacy Building
Earmarking assets for charitable giving establishes a legacy that can grow for generations to come.
CUSTOM PLANNING
Life Insurance Acquisition Process
1
Establish Medical History
Heirmark will use medical evidence and insurance carrier relationships to negotiate for optimal tentative offers on your behalf.
2
Determine the Best Option
Heirmark will evaluate the tentative offers and products to complete a comprehensive analysis for review, so all parties can make an educated decision about the life insurance need.
3
Implement Coverage
Heirmark will prepare and submit the application then finalize negotiations for approval, coordinating delivery requirements and providing ongoing monitoring of policy performance.
Estate Tax Liquidity
Planning that gives heirs the funds they need to pay estate taxes without having to liquidate valuable assets.
Tax-Free Income
Planning focused on accruing cash value that can be accessed in the future as income tax-free disbursements that can be used for anything, including retirement or long-term care services.
Income Replacement
Planning that replaces the income or equivalent contributions of an individual for the family they leave behind.
Charitable Giving
Planning structured to create a legacy that can be built on for generations to come.
Multi-Generational Planning
Planning that creates a foundation for the long-term success of ultra-affluent families.
Estate Equalization
Planning that equalizes an estate for children who will not inherit valuable assets or the family business.
Increasing ROI
Planning that prioritizes components of life insurance that have potential for the highest return on investment.
Faqs
Frequently Asked Questions
Find answers to your questions about Heirmark's life insurance solutions, underwriting process, and advisory services.
Still have questions?
We're here to help you!
Life insurance uses discounted dollars via premium payments to create immediate funding when it is needed most. A comprehensive personal plan that includes life insurance creates a source of funds for estate taxes, provides income replacement for families, and establishes a foundation to build a legacy.