Insurance Planning
Insurance planning is designed to determine the most efficient method of funding
business succession, estate tax or charitable legacy liabilities.
Cornerstone’s relationships with a wide range of insurance carriers enables us to
find the best overall solution to our clients’ liquidity and funding needs. These
relationships are continually monitored and re-evaluated in order to ensure the
highest level of quality products and service to our clients.
As a member firm of the
M Financial Group,
a national network of financial service firms that pool their resources, we provide
our clients with insurance pricing advantages and proprietary products that are
generally not available in the marketplace.
Cornerstone’s insurance planning, which goes beyond the scope of simply “purchasing
a life insurance policy,” includes:
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Due care of the life insurance carriers, their financial strength, investments and
ratings.
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Complete analysis and breakdown of the industry’s products and their underlying
inherent assumptions to provide competitive, credible values.
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Design of the actual policy with regard to premium commitment, internal rate of
return on investment and flexibility for the future. |
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Analysis of the effects that certain ownership arrangements will have on you, your
estate and your business to ensure that dollars are being spent in the most tax-advantageous
method.
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Stewardship goes beyond the initial purchase of the life insurance policy. Serving
the policies on a continual basis is essential to our mission to grow, protect and
preserve your wealth. We make an ongoing commitment to servicing the policy, making
sure the design continues to fit your needs, and ensuring that necessary changes
are made. We take a proactive approach to service by providing the necessary information
to advisors on a regular basis.
Meet our Insurance Service Team