Today’s financial planning arena offers
a seemingly endless array of choices. Yet
despite this wealth of options, those who
are financially sophisticated remain severely
underserved by traditional products, especially
when it comes to legacy planning.
Historically, life insurance products have
served the general population well. But
for
those with substantial assets, traditional
insurance— whether individual policies or
annuities— has remained relatively limited
and remarkably inflexible in meeting the
needs of those seeking to maximize the impact
of their wealth.
Innovative products from
InsCap. Products that combine the protection
of insurance with the power
of capital markets to create advanced, flexible
insurance solutions.
InsCap has recognized the growing
need for advanced insurance solutions.
As an insurance and capital markets
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innovator, InsCap is uniquely qualified
to meet the legacy planning needs of the
financially sophisticated client.
InsCap products reflect the firm’s extraordinary
combination of insurance, financial and
legal expertise.
Dynamic and cutting-edge, each product is
the direct result of our experience serving
the needs of high net worth clients. As
a result, InsCap products are unrivaled
in their ability to help you make your financial
planning visions a reality.
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With InsCap financial solutions you
will discover advanced insurance products
that: |
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Uniquely meet the distinct needs of
financially sophisticated clients
Address the financial inflexibility and
shortcomings of traditional insurance
products
Leverage client assets to solidify
legacy planning
Combine the power of capital markets
with the planning dynamics of insurance
Provide much-needed planning tools
to address increasing life expectancy and
its impact on financial planning
Offer flexible financing options to suit each
client’s:
– Planning goals
– Lifestyle and outlook
– Tolerance for financial risk |
Deliver additional insurance protection,
without the need to liquidate or alter
other investment strategies
Go beyond mere security and investing
to address the goals and ambitions of
clients building on their legacy
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For
those with substantial assets, that is truer
than ever, as healthy lifestyles often lead
to longer lives.
Living longer brings with it additional challenges
to financial planning across generations. Many
older policyholders now find their current life
insurance to be a less and less attractive value.
Those living longer often face the prospect
of inversion of the financing economics of their
policy, where the amount of money actually received
by their beneficiaries is less than the insured
will spend in premiums.
Other products, such as traditional annuities,
can outlive their usefulness as assets remain
tied up longer than planned. Policyholders are
forced to forego current opportunities that
may now be more appropriate.
InsCap addresses these realities by providing
innovative insurance solutions paired with flexible
financing options. |
Clients with ambitious financial plans can now
obtain sophisticated insurance solutions to
match.
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