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For many high income earners, the benefits of traditional disability insurance coverage do not even come close to replacing their actual income. High limit disability insurance programs can fill the income gap left by standard policies. These high limit policies help individuals avoid significant financial losses while allowing them to live in the manner to which they have become accustomed.
We have developed a guaranteed issue (no medical exams, no labs) high limit disability insurance program with guaranteed issue limits exceeding $100,000/month ---significantly moving the needle insuring their high incomes. We also design tax efficient asset protection* programs utilizing multi-life Long Term Care Insurance contracts with attractive underwriting concessions and discounts.
*Asset protection plans should be developed and implemented well before problems arise. Due to the fraudulent transfer laws, asset transfers that occur close in proximity to the filing of a lawsuit or bankruptcy can be interpreted by the court as a fraudulent transfer. Proper structuring of these assets is imperative. Please seek proper legal and tax advice prior to engaging in re-titling/structuring of any assets. Please note that laws are subject to change and can have an impact on your asset protection strategy. All guarantees are subject to the claims paying ability of the company.
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