Guarantee their future.
Wealth transfer and asset protection planning are critical to keeping your lifestyle and ensuring your family’s future.
Eisenberg Insurance can present you with the right solutions that will not only protect your assets, but help them grow.
Our wealth transfer services include helping you:
- Minimize tax implications
- Avoid or minimize nursing home “spend down”
- Leave a legacy to your loved ones
Leaving a legacy is a good thing. Leaving them financially sound is even better.
Ever-changing tax laws, inheritance taxes and probate delays can complicate and frustrate your heirs. At Eisenberg Insurance, we talk about these hurdles, teaching people like you how to avoid them through a proper, planned solution.
Planning ahead can help your loved ones avoid extra and unnecessary heartache.
One way to plan the transfer of your wealth is through permanent life insurance in the form of whole life, universal life or variable universal life.
It provides many things including:
- Death benefit to survivors
- Guaranteed coverage, even if health deteriorates
- Level premiums
- Cash value accumulation on a tax-deferred basis
Moreover, allocating some of your assets into life insurance not only helps protect your assets, it helps increase them too.
LONG TERM CARE
After you, who would you rather see benefit from your years of hard work and saving: your beneficiaries or Uncle Sam?
Of course, you want to enjoy your retirement years. But most of us also want to leave a legacy for our loved ones.
Wealth transfer won’t happen as you wish, however, unless you carefully and thoughtfully plan for it.
One part of planning—perhaps the most important part—is ensuring coverage for future long-term expenses. The truth is, most of us will need some type of long term care, regardless of age, circumstances or current health.
Many of us were saving to self-fund it. That could be a recipe for disaster as we have no idea what the cost of care will be if and when we need it and how long our illness may last.
There is a solution, however, and it’s called asset based long term care.
It lets you:
- Move an asset from one pocket to the other and leverage it
- Safeguard your beneficiaries’ future
- Receive tax free long term care benefits and minimize tax implications
- Guarantee your policy premium will never change
As experts in insurance-based solutions, Eisenberg Insurance can help you protect what you have worked hard to accumulate.