We Help You Uncover - Then Cover Your Risks
Insurance Planning takes into account the risks that surround you and then implements a plan for adequate coverage against those risks. It is extremely important that every person, especially the breadwinner, cover the risks to his/her life, in an effort to ensure that their family's lifestyle does not undergo a drastic change in the event of their death.
The Right Coverage for the Right Reasons
Proper Insurance Planning ensures you have adequate coverage against insurable risks. Calculating the right level of risk coverage is a complex endeavor, requiring considerable knowledge and experience. IPS Advisors will help you assess your risks and determine which type of coverage best fits your needs.
We Listen To You
We are committed to giving you the highest level of personal client service. We carefully consider all your personal objectives, and we listen to you to identify, define and prioritize your unique needs.
Insurance Planning from Start to Finish
IPS Advisors provides numerous services to our clients, from the development and review of insurance portfolios to monitoring policy performance. Additionally, IPS Advisors will provide a recommendation as to the types of insurance products to best meet your most important financial concerns and goals.
Our Insurance Planning team can assist you in the following areas:
- Insurance Analysis/Risk Management
- Estate Preservation and Liquidity Planning
- Premium Finance* and Life Settlement** Strategies
- Annuity Strategies
- Business Succession Planning and Analysis
- Buy/Sell, Key Man and Split Dollar Programs
- Long -Term Care Insurance
- Family Office: Life Insurance Support and Service
- Elder Care
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*Premium Financing is complex and involves many risks, such as the possibility of policy lapse, loss of collateral, interest rate and market uncertainty, and failure to re-qualify with the lender to keep the financing in place and maintain the desired level of insurance protection. In certain situations, additional out-of-pocket contributions may be required to retire the debt and/or maintain the desired level of insurance protection. A well planned exit strategy should be in place prior to accepting any financing arrangements.
**Investors should consult with their own professional advisor regarding the potential tax, estate, and legal considerations that may arise in connection with entering into a life settlements transaction. Proceeds from a life settlement transaction may be taxable under federal or state law to the extent the proceeds exceed the cost basis. The proceeds from a life settlement transaction may be subject to claims of creditors. The receipt of proceeds from a life settlement transaction may adversely impact eligibility for government benefits and entitlements. The amount received for the sale of the Policy may be impacted by the circumstances of the particular purchaser of the Policy, the insured’s life expectancy, future premiums, the death benefit, the terms of the Policy, and the current market for insurance policies, among other factors. The amount received for the sale of the Policy may be more or less than what others might receive for the sale of a similar policy. There may be high fees associated with the sell of a Life settlement.