Life Insurance
Whatever you’re looking to accomplish, we show you what’s possible.
Aside from the obvious benefits of a tax-free death benefit, life insurance offers outstanding advantages that typically result in a much greater net benefit when compared to conventional investment vehicles. At CIS Financial, we leverage these advantages to design your financial plan that has the best chance of succeeding.
Spousal Security /
Income Replacement
A life insurance policy for the main breadwinner is a responsible way to protect one’s family from financial difficulty should there be sudden death and the resulting loss of income.
Retirement planning
When designed strategically, life insurance can be an integral part of your retirement plan to completely remove ordinary income and capital gains taxes while maximizing funds for your golden years and your legacy.
premium financing
We show you how you can take a controlled-risk approach to leveraging the compounding cash value of your policy. By financing your premium with loans at a fixed rate that is lower than your policy’s conservatively projected rate of return.
estate liquidity
Estate taxes can be substantial and the beneficiaries may not even have sufficient liquid assets to pay them. An insurance policy provides the necessary liquidity to cover those taxes while maximizing the value of your estate to heirs.
buy/sell funding
In the event that a buy-sell event is triggered by an owner’s death, having a life insurance policy for each business owner will ensure that the buy-sell arrangement is well-funded and actionable.
key person policies
Should a valued business owner or employee pass away unexpectedly, ensure your business has the ability to bounce back — with the liquidity to recruit, hire, and train a successor.
charitable giving
Designating a charitable organization as the beneficiary of a life insurance policy is a tax-efficient way of perpetuating the values you hold most dear.
legacy Planning
Legacy planning with life insurance can be a powerful, tax advantaged strategy for preserving and transferring wealth to future generations.
life settlements
You may not be able to keep your policy or you may not need it any longer. If you walk away from your policy, you’ll be left with nothing. We help you sell it — for maximal gain.
long term care
Certain life insurance products also provide coverage for long term care expenses if an insured can no longer take care of themselves and needs to rely on others. Benefits cover home health care including providers that are family members.
tax mitigation
Life insurance has many unique tax advantages and can be used strategically and creatively, not only to mitigate taxes but also to grow wealth that remains 100% tax free.
GET GUIDANCE THAT LEAVES YOU
crystal clear on your options.
Discovery
We discuss your current coverage, talk about your goals for the future, and assess your expected health rating. Whether you’re starting out, building momentum, or winding down: now’s the time to discover your opportunities.
Strategy
We design a creative strategy that becomes your pathway to create, protect, and grow your wealth — maximizing benefit and minimizing liability — informed by deep and broad knowledge of your options.
Clarity
Step-by-step, we explore your strategy together, explaining the benefits, costs, returns, and risks. Every detail is crucial. Every question is important. The result is total clarity.
Get guidance that leaves you crystal clear on your options.
1: Discovery
We discuss your current coverage, talk about your goals for the future, and assess your expected health rating. Whether you’re starting out, building momentum, or winding down: now’s the time to discover your opportunities.
2: Strategy
We design a creative strategy that becomes your pathway to create, protect, and grow your wealth — maximizing benefit and minimizing liability — informed by deep and broad knowledge of your options.
3: Clarity
Step-by-step, we explore your strategy together, explaining the benefits, costs, returns, and risks. Every detail is crucial. Every question is important. The result is total clarity.
The close is just the beginning
Enjoy peace of mind knowing we’re periodically reviewing your policy and annually monitoring policy performance. Optimizing if necessary. Because time should always remain your greatest asset.
Life is dynamic. Your life insurance should be too.
As you take on life’s challenges and opportunities, we’re here to assist with all in-force policy changes and requests.
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