{"id":266,"date":"2016-04-28T15:50:09","date_gmt":"2016-04-28T15:50:09","guid":{"rendered":"http:\/\/www.himmelsteinfinancial.com\/?page_id=266"},"modified":"2022-05-26T21:16:51","modified_gmt":"2022-05-26T21:16:51","slug":"life-insurance","status":"publish","type":"page","link":"https:\/\/www.himmelsteinfinancial.com\/index.php\/life-insurance\/","title":{"rendered":"Life Insurance"},"content":{"rendered":"\n
\"termlife\"<\/figure>\n\n\n\n

Product Research and Analysis<\/span><\/h2>\n\n\n\nOur case design team researches product solutions across a wide spectrum of carriers and provides thorough analyses and spreadsheets on quotes, rates, and options. Our expertise and effort allows you to focus more of your time meeting with clients. We assess the most competitive solutions for your needs as well as provide options to maximize your client\u2019s resources.\n\n\n\n

Technical Expertise<\/span><\/h2>\n\n\n\nAdvisors who operate in business insurance, executive benefits, estate planning, or other highly-technical markets are directly affected by legislative and tax regulations, both domestically and international. Himmelstein Financial stays on top of emerging regulation to best help you navigate the opportunities and challenges. We bring our deep knowledge and experience when clients are faced with complex or impaired underwriting situations.\n\n\n\n

Point-of-Sale Support<\/span><\/h2>\n\n\n\nWe are available to work with you during discovery meetings and to explain the options available to your clients. We will support you during client conversations or act as a resource to you as case consultants. If you prefer to refer clients directly to us to solve their needs, we will do so with the same professionalism, personal attention, and proactive communication your clients would expect from you.\n\n\n\n
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Our Services<\/h2>\n\n\n\n
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Estate Planning<\/strong><\/p>\n<\/div>\n\n\n\n

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Business Planning<\/strong><\/p>\n<\/div>\n\n\n\n

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Life Insurance<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n

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Generational Wealth Transfer<\/p>\n\n\n\n

Estate Tax Planning<\/p>\n\n\n\n

State Inheritance Tax Planning<\/p>\n\n\n\n

Charitable Gifting Strategies<\/p>\n\n\n\n

Transferring IRAs<\/p>\n<\/div>\n\n\n\n

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Buy Sell Funding<\/p>\n\n\n\n

Non Qualified Deferred Compensation<\/p>\n\n\n\n

Estate Equalization<\/p>\n\n\n\n

Key Person Insurance<\/p>\n\n\n\n

SBA Loan Coverage<\/p>\n<\/div>\n\n\n\n

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Policy Review<\/p>\n\n\n\n

Impaired Risks<\/p>\n\n\n\n

Foreign National Insurance<\/p>\n\n\n\n

Premium Financing<\/p>\n\n\n\n

Life Settlements<\/p>\n<\/div>\n<\/div>\n\n\n\n

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Our Product Solutions<\/strong><\/p>\n\n\n\n

  • Term Life<\/li>
  • Universal Life<\/li>
  • Indexed Universal Life<\/li>
  • Whole Life<\/li>
  • Variable Life<\/li>
  • Survivorship (second to die) Life<\/li>
  • Single Premium Life<\/li>
  • Simplified Issue Life<\/li>
  • Guaranteed Issue Life<\/li>
  • Single Premium Life<\/li><\/ul>\n\n\n\n

    The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Any guarantees are contingent on the financial strength and claims-paying ability of the issuing insurance company.<\/p>\n\n\n\n

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