The Affluent Insurance Advisor
Two Stamford Plaza
281 Tresser Boulevard, Suite 1004
Stamford, CT 06901
Key Components To Consider When Buying Life Insurance
What is the purpose of our life insurance portfolio?
Are we trying to protect the short or long term? Or both?
Is our family need just to protect our "roof over head" or is there longer term legacy and tax planning that should be thought through?
How should we choose the amount of death benefit we desire?
How much total death benefit do I need today?
Should that death benefit amount need to rise over time?
What factors go into the pricing of life insurance?
Individual vs Joint Insureds
Are there performance variables that need to be considered?
Sensitivity to economic factors such as interest rates or equity markets
How do we check on the credit quality of the insurance carrier?
Standard & Poors
Weiss Safety Ratings
Duff & Phelps
What are other common factors that are taken into consideration during the life insurance process?
Desired length of premium payments (ie, 5 years of larger premiums or 20 years of smaller premiums)
Ownership (individually vs. trust owned)
Post implementation servicing (scheduling periodic reviews)
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TAIA counsels attorneys, financial advisors, and CPAs on the insurance needs of high net worth individuals.
Neither TAIA nor its representatives offer legal or tax advice.
Please consult with your own legal or tax professional concerning your specific situation.
TAIA does not guarantee any particular result regarding your life insurance or investment portfolio.
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Tom Henske (CRN202305-283252) is a registered representative of and offers securities and investment advisory services through MML Investors Services, LLC.