LIFE INSURANCE
Life insurance is the most selfless gift you can give your loved ones. It can also be a crucial wealth and tax minimization tool for you when properly structured.
LIFE INSURANCE OPTIONS
No one buys life insurance. Caring people seek financial protection for their loved ones because they value their well being. They want to ensure that a human tragedy doesn’t become a financial tragedy as well. Helping you find the right life insurance based on your needs, objectives, and budget is our unwavering commitment.
Whether you are looking for the most affordable death benefit coverage to cover funeral costs, protect your family in the event of your untimely passing, or as a wealth building and estate preservation tool, we will help you fully understand your options, obtain the proper coverage, and have premiums that fit your budget.
We work with highly accredited and financially strong insurance carriers to ensure their commitment to you is as strong as your commitment to your loved ones. Fully underwritten and non-medical policies are available, and some policies can be issued within minutes.
TERM LIFE INSURANCE
- Covers you for a specified number of years
- Lowest cost premiums
- Ideal coverage during your "income earning years"
- Does not gain cash value
- Amounts typically range from $100K - $5M
FINAL EXPENSE INSURANCE
- Designed for funeral costs and final needs
- Policies are issued without medical exam
- "Guaranteed issue" policies are available.
- Can focus on affordability over face amount.
- Amounts typically range from $5K - $25K
ADVANCED LIFE INSURANCE OPTIONS
While life insurance is traditionally designed to replace income lost when a breadwinner passes unexpectedly or to pay the funeral costs of aged loved ones, it can also be a valuable tool in your financial portfolio.
Whether you are looking for ways to create tax-free* income when you retire, efficient ways to pass down more than just your sense of humor tax-free* to loved ones, or leveraging assets to purchase a substantial life insurance policy for personal or commercial use, we work with the premier carriers to find the right fit at the best cost with the least hassle.
Advanced life insurance policies aren’t right for everyone, and you likely have many questions. We have the patience to hear them and the successful track record to give you the right answers.
PERMANENT LIFE INSURANCE
- Ideal plan to cover you for your entire life
- Premiums often flexible to adjust to your changing lifestyle
- Designed to gain cash value
- Can be an important retirement income tool
- Amounts typically range from $250K to - $10M +
LEGACY LIFE INSURANCE
- Immediately increase your gift to loved ones and charities
- Single premium payment
- Can eliminate taxes to heirs and avoid probate
- Many health risk classifications considered
- Amounts range from $25K - $2M +
PREMIUM FINANCE LIFE INSURANCE
- For high net worth individuals and business owners
- Uses leverage to build wealth & protect assets
- Bank financed premiums keep your assets free
- Insurable at standard health or better
- Amounts range from $25M - $100M +
* Always consult your accountant or trusted tax advisor with any and all tax-related questions. Valentich Wealth & Retirement does not provide or offer tax advice.
WE'LL FIND THE OPTIMAL life INSURANCE for you
We make the process easy and understandable, while eliminating the needless hassles of obtaining the proper policy.