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Life Insurance in Aspen Colorado

I wanted to apprise you all of the tools and strategies that we are using with various types of Life Insurance and Insured products to assist clients in both high tax brackets as well as clients with a high net worth who are subject to the Estate Tax.

1. Advanced Estate Planning with Guaranteed Universal Life Insurance.  We broker through the largest General Agent in the nation to submit our cases.  Therefore we get preferential underwriting, in addition to the most competitive pricing.  We specialize in concierge case design and management with large cases.  Our commitment to you is to deliver top notch customer service that we know your clients demand.

2. Given a client is in good health we can potentially offer substantial decreases in premiums and or increases in death benefit with a review of policies that were put inforce prior to 2001.  For example an insured with 1MM in Death Benefit may get 2MM of coverage for the same premiums.  IRR’s for insured’s in good health can be quite good in many cases.

3. Clients in high tax brackets may be able to take advantage of 412 I Fixed Defined Benefit plans that allow the MAXIMUM PRETAX CONTRIBUTIONS of any qualified plan, potentially as large as $300,000 per yr, in contrast to an IRA maximum of $6000.

4. Clients that have maxed out contributions to qualified plans or who have employees may be able to use other insured products to great advantage as well.

5. Key Man, Buy Sell, Split Dollar and “Golden Handcuff” Agreements.

6. Planned Giving, Planned Gifting and Charitable Annuities.

7. Fixed and Indexed annuities which can offer the peace of mind of a guaranteed income stream.

Let us know how we can help with your case design or any other questions about life insurance you may have.

Call Drew Kitchell, – Devlin Financial Services  Ph # 970-925-9090

Advanced Estate Planning – Life Brokerage – Insurance Solutions in Aspen Colorado