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Free Consultation
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Insurance Planning for Jacksonville
Life insurance
policies that accumulate cash
value can provide tax-advantaged
money to help meet retirement
or emergency cash needs.
Life Insurance
Life Insurance provides financial
protection against the uncertainty
of death and can help survivors
achieve specified financial
objectives. Life insurance death
benefits are usually received
income tax-free and can be used
to complete a retirement plan,
generate a lifetime income,
pay off the mortgage, and provide
funds for childcare, college
education and more. Life insurance
policies that accumulate cash
value can provide tax-advantaged
money to help meet retirement
or emergency cash needs.
Types of Life Insurance:
- Term
- Universal Life
- Variable Universal
Life
- Survivorship Life
- Whole Life
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Life Insurance
Solutions:
- Family Liquidity
- Estate – Buy/Sell
Funding
- Key person Protection
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Disability Insurance
Remember: Your greatest asset
in life is your ability to earn
an income!
Protecting your ability
to earn an income should be
your number one goal. The ability
to maintain your standard of
living, keep food on the table,
clothes on the backs of those
you love and shelter are all
associated with protecting
your earning power. Disability
Income Insurance is the protection
you need to protect your financial
future today as well as tomorrow!
Business Disability
If you are a business owner,
the potential of a disability
poses a triple threat:
- Keeping a roof over you
and your family’s needs -
How long could the business
continue to pay your personal
salary?
- Keeping your business doors
open?
- Keeping your investment
intact?
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Long-term
care, estate planning and
employee benefits have been
made easier. We can
provide clear solutions in
a complex world! |
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Long Term Care
No matter what
your financial position is in
life, Long Term Care (LTC) cost
can quickly deplete your valuable,
hard earned nest egg. Protecting
your dignity, reducing your
family’s emotional
burden and securing your financial
well being are some of the reasons
for owning LTC. LTC allows you
the ability to retain your independence,
even if an accident or illness
takes away your ability to care
for yourself. The LTC programs
have changed drastically over
the past 20 years and effective
2007, Florida is now a Partnership
State!
There are numerous ways to design
a program that will be beneficial
to both you and your family members.
Kim Stanley, LUTCF, CLTC is a
qualified representative to discuss
your various LTC options. Kim
obtained her CLTC designation
in 2003 knowing that this was
becoming one of the most missed
areas of planning and protection
facing people in the future.
Long-term
Care Premium Deduction
Limits
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Age
of Taxpayer |
2006 |
2007 |
Age
40 or younger |
$280 |
$290 |
Ages
41 - 50 |
$530 |
$550 |
Ages
51 - 60 |
$1,060 |
$1,110 |
Ages
61 - 70 |
$2,830 |
$2,950 |
Over
age 70 |
$3,530 |
$3,680 |
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