Estate & Succession Planning
Life insurance has always been a cornerstone for any estate, charitable, succession and wealth transfer plan. Recent developments in the industry and changes in the tax code have created heightened interest in the latest concepts and strategies using life insurance as a planning tool. Oswald’s approach includes utilitizing these concepts to solve issues facing the affluent and the business owner.
New concepts include:
- Life Settlements - Selling existing permanent or term life insurance contracts to the institutional market
- Annuity Arbitrage - Capitalizing on the underwriting differentials & payout rates in the annuity and life insurance marketplace
- Private Placement - Designing and building life insurance programs including the use of Hedge Funds
- Premium Financing - Using leveraged dollars for a life insurance purchase
These concepts have all brought increased capabilities and value to a well-designed life insurance portfolio.
Policy audits identify the need for policy revisions, due to tax code changes (split dollar and loan rescue plans), and product enhancements, resulting in reduced mortality and expense charges. Our Wealth Management Planning Team will create solutions tailored to meet you and your family’s life insurance portfolio needs.