Legacy Creation
Transfer Wealth Efficiently, Across Generations and Causes.
Legacy planning is the discipline of moving capital from one generation to the next with as little friction as possible. Properly structured permanent insurance can provide liquidity and tax advantages for heirs when it is set up and owned correctly.
Who This Is For
Built for clients with structured planning needs.
Structured permanent insurance designed to move wealth efficiently to heirs, charities, and the institutions you care about.
- Families with appreciating assets that may face estate liquidity issues
- Business owners who want to equalize inheritance among children
- Donors planning meaningful charitable bequests
- Multi-generational households building durable family capital
What This Is Built Around
Structural components, not product pitches.
Permanent Insurance Design
Whole Life and IUL structures sized to your estate transfer goals.
Estate Liquidity
Cash for heirs and executors at death, generally free of federal income tax.
ILIT Coordination
Policies positioned in irrevocable life insurance trusts when appropriate, in coordination with your attorney.
Charitable Strategies
Insurance funded bequests that can increase the size of a planned gift.
What You Leave With
A written, structured plan, not a sales pitch.
Explore the Other Pillars
Each pillar is a focused planning area within the broader Premier 72 framework.
Income
Term, Whole Life, and Indexed Universal Life strategies for individuals, couples, and families, structured around your income, your obligations, and the people who matter to you.
Keep the Business Operating When the Unexpected Happens.
Key-person, buy-sell, and SBA-aligned coverage so your company keeps moving when an owner or critical contributor is lost.
Cash Value Life Insurance as a Personal Financing Strategy.
Permanent life insurance designed for cash value access and long term accumulation, a planning strategy sometimes called the Infinite Banking Concept. It is not a bank or bank account.
Tax Aware Accumulation
Permanent life insurance as one part of a broader plan for tax deferred growth, retirement income, and estate transfer, coordinated with your tax professional.