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A sale to an Intentionally Defective Grantor Trust (IDGT) in combination with life insurance allows high-net-worth families to accomplish different wealth transfer goals with flexibility.
Learn how these techniques can help families solve wealth transfer, estate, and philanthropic planning goals.
Taking the time to complete a life insurance policy review can be critical.
Changes to policy dividend and crediting rates can have a significant impact on a policies performance.
Failure to do so can result in a policy lapsing before the insured dies.
Universal life insurance is the most flexible and inexpensive way for individuals to secure permanent life insurance coverage with cash accumulation.
Policy owners are able to adjust premiums and death benefits to meet their specific needs.
Life insurance premium financing allows ultra-affluent families to secure life insurance coverage by borrowing ongoing premium payments.
When taking advantage of premium financed life insurance – the bank makes premium payments to the insurance company.
Life insurance premium financing enables an owner of a life insurance policy to borrow money to pay premiums.
The premise is simple. An affluent family needs life insurance. However, they aren’t interested in making the require premium payments to secure the coverage.