Estate preservation

Helping you navigate through life’s unpredictable stages.

By definition, estate preservation is a process designed to help manage and protect your personal, financial, and philanthropic goals while you are alive, and to conserve and control their distribution after your death according to your wishes.  But what estate preservation means to you specifically depends on who you are.  Your age, health, wealth, lifestyle, life state, goals, and many other factors determine your particular estate preservation needs.

The act of protecting your personal wealth is one of the most important decisions you’ll ever make.  We’ll help create a tailored, tax-efficient plan that is flexible to navigate through life’s unpredictable states not only for today, but for tomorrow.

Who would you like to have your estate?

There are three parties you can allow to have access to your estate: your beneficiaries, a charity, or the government.  The choice is yours.

 Beneficiaries

You have the ability to name your beneficiaries and financially help them replace lost income or wealth.

Charity

Have a cause that’s near and dear to your heart?  You can leave a charitable gift to your favorite nonprofit.

Government

If you do not have a plan in place, you potentially risk a large portion of your estate to the government.

Life insurance can help simplify the transfer of assets

A life insurance policy immediately creates a fully valued-tax free asset upon first premium receipt.  Many people want to know the most efficient an cost-effective way to maximize the distribution of their assets and there is not better asset class than life insurance.

Tax-free wealth transfer

The death benefit is the main reason you should buy life insurance.  In the event of an early death, the death benefit passes to your beneficiaries income-tax-free and can used for income replacement, supplemental college funding, business succession, and much more.

A resource in the event of an unexpected illness

If a serious illness arises, the road to recovery may take a while and could affect your financial future.  Certain life insurance polices offer you living benefits that accelerate the death benefit so you can cover any ongoing expenses.

Preserve and control you legacy today.

Protecting your personal wealth is one of the most important decisions you’ll ever make, and one you should only make after consulting with Premier 360.