Life Insurance Planning
Precision in Protection
We view life insurance planning as a disciplined process of identifying specific financial risks and engineering custom solutions to help mitigate them. By combining technical rigor with a deep understanding of intent, we transform complex insurance variables into a clear, actionable strategy for clients’ legacies.
Aligning Coverage with Intent
Life insurance is a multi-faceted tool capable of addressing complex financial challenges simultaneously. By identifying the specific hurdles facing clients’ estate or business, we engineer a policy structure that integrates seamlessly with broader financial architecture.
Tax-Efficient Wealth Transfer
We design life insurance strategies focused on reducing the tax impact on clients' wealth, helping ensure more of the legacy remains intact.
Estate Liquidity
To prevent the forced sale of illiquid assets, we structure policies to help create liquidity to cover estate tax obligations.
Legacy & Philanthropic Funding
Our designs allow clients to magnify charitable and legacy impact while maintaining their lifestyle.
Tax-Efficient Accumulation
We design cash value accumulation policy structures, designed to supplement clients' overall portfolio with long-term, tax-deferred growth.
Diversified Fixed Income
As a stabilized, fixed-income component within a family’s portfolio, life insurance offers a conservative balance to more volatile market investments.
Asset Protection
We work with clients' legal counsel to structure coverage that helps safeguard assets from unforeseen external risks.
The Importance of Specialization: Leveraging the Wealth Gradient
Affluent clients represent a unique risk class due to the wealth gradient in mortality: the statistical reality that higher socioeconomic status correlates with better policy outcomes. We leverage our deep relationships with institutional carriers to apply this affluent-market advantage.
Longevity & Mortality Experience
Affluent individuals live longer due to superior access to preventive healthcare and wellness resources.* Carriers factor this into their pricing, often resulting in lower policy costs.
Policy Retention & Financial Stability
High-income households have higher policy retention rates**, maintaining their coverage through market cycles. Carriers can offer more competitive pricing based on this stability.
Economies of Scale in Policy Size
Affluent clients seeking multi-million dollar coverage benefit from reduced expense loads and tiered pricing models, allowing for highly customized, cost-efficient structures.***
*Source: Longevity & Mortality Experience Mukherjee, T. (2023). Inequities in the golden years: How wealth shapes healthy and work-free life. TIAA Institute.
**Source: Policy Retention Columbia Business School. (2024, May 15). The poverty tax in life insurance risk. Columbia Business School Research Brief.
***Source: Actuarial Trends & Economies of Scale Society of Actuaries Research Institute. (2025). Mortality by socioeconomic category in the United States: 2023 update. Society of Actuaries.
Every investor's situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance does not guarantee future results. Be sure to contact a qualified professional regarding your situation before making any investment or withdrawal decision. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.