Life Insurance Services
Wealth preservation, tax efficiency, risk management, benefits to loved ones, liquidity, and peace of mind are only a handful of the goals that life insurance can be used to fulfill. Whatever combination of the aforementioned represents your goals, Capital Wealth Advisors can tailor a policy or set of policies specifically for you. As an independent firm, we represent over 200 life insurance companies.
We employ best of class case managers and underwriters to ensure complete market evaluation and product selection. We can build, but are not limited to, the following structurally advanced types of life insurance arrangements:
Traditional Life Insurance
Capital Wealth Advisors is experienced in illustrating and underwriting insurance policies for the purpose of protecting your family in the event that you or another family member passes away. Our team will shop various carriers and products to ensure that you obtain only the most optimal insurance policy for your and your family's goals, needs, and desires.
Trust-Owned Life Insurance
Our experience in estate planning allows us to custom tailor life insurance policies to fit your estate plan. We have the ability to model for you customized estate-plan-driven, trust-owned life insurance products designed to aid in creating liquidity for and transfering wealth to successive generations. Our dedicated team of case designers will utilize the most appropriate products to fit the goals of your estate plan.
Private Split-Dollar Planning
Capital Wealth Advisors has experience second to none in designing and implementing advanced private split-dollar arrangements for large families. Using our proprietary Wealth Transfer Strategy Roadmap™, we will educate you regarding every step of the multi-generational transaction and advice you regarding whether or not the estate tax efficiency and access to policy value that split-dollar planning provides fits with your financial situation and goals.
Financed Premium Life Insurance
Our proprietary tool, Financed Benefit Solution™, can be used to explore alternative funding sources for your high-value policy premiums to provide you give you access to large insurance policies without parting with your current assets or forcing you to pay large premiums up front. We will analyze your current financial environment and advise you regarding whether or not premium financing is appropriate, for how much coverage you should obtain, and how to go about structuring the strategy.
Partnership-Funded Life Insurance
As a business owner, it may be advantageous to use your corporate entity to fund the premiums on your trust-owned life insurance policies. Capital Wealth Advisors can work with you to set up a partnership-funded life insurance strategy, educating you on the benefits it may be able to provide for you, your firm, and your successive generations.
Already Have Insurance Policies?
With Policy Check-Up™ a unique service offered through Capital Wealth Advisors, we provide a comprehensive review of coverage and integrate those findings into an overarching strategy that we will monitor and update into the future. You cna learn more about Policy Check-Up™ by clicking here.