Wealth Transfer Strategy & Life Insurance

Are you taking full advantage of the business you’ve built?

Businesses/Executive Services

With years of financial services experience, you can trust us to ask the right questions and put in place the right solutions.

We take into account hidden variables that can affect implementation, such as organizational strategy, financing techniques, and employee makeup. We create and implement plans with purpose, beginning with the end in mind and using customized solutions to meet our clients’ goals and objectives.

» Deferred Compensation Plans

» Disability Plans

» Supplemental Executive Retirement Plans

» Bonus Arrangements

» Life Insurance for Businesses

Life Insurance for Businesses

Our plans are designed to ensure that, no matter what uncertainty lies in front of your business, the business will remain and prosper.

Key Employee Coverage

Provides funds to aid in the search for a replacement in the event of death.

Executive Incentive Plans

Used in a variety of nonqualified benefit programs to help attract and retain key employees.

Business Continuation

Provides funds to aid in the continuation of business in the event of a shareholder’s death.

Succession Planning

Provides liquidity to purchase the ownership interest of a deceased shareholder.

Debt Protection

Creates a pool of money that can be used to pay off borrowed money.

Loss of a key employee or executive can be devastating for any business

High Net-Worth Individuals/Families

Through industry due diligence and annual reviews, we manage client expectations by monitoring performance against original projections, and provide recommendations to match the evolving needs of our clients.

Life insurance has many unique characteristics that may make it an appropriate solution for a variety of challenges, including providing payment of a death benefit at the death of the insured(s). In addition to death benefit protection, characteristics may include:

Tax-Deferred Cash Value Accumulation

Generates tax-deferred cash value growth during the insureds life and allows for tax free withdrawals up to the premium basis.

Income Tax-Free Death Benefits

Life insurance proceeds are free from federal income taxation under most circumstances.

Tax-Advantaged Access to Policy Cash Values

Please keep in mind loans and partial withdrawals may decrease the death benefit and cash value and may be subject to policy limitations and income tax.

Family Protection

Provides a source of cash for surviving family members to utilize for living expenses.

College Funding

Provides a funding source for college education of children or grandchildren.

Debt Protection

Generates cash to pay off an existing mortgage or other personal debt.

Wealth Creation

Provides funds to leave as an inheritance or to equalize inheritances among family members.

Estate Tax Liquidity

Creates liquidity to pay estate taxes rather than requiring liquidation of existing estate assets.

Gifting Leverage

Leverages the use of the annual gift tax exclusion, the lifetime exemption, and/or Generation Skipping Transfer Tax exemption.

Charitable Solutions

We offer creative solutions to achieve your philanthropic goals while supporting your family’s long-term financial needs.

For Many Affluent Families what was once routine has become inceasingly complex

If you don’t know where you’re going, any road will take you there.

Business Exit & Succession Planning

Ultimately, all business owners must decide in what capacity they want their business to continue, what their long-term individual contributions will be, how to ensure the ongoing care of their clients, and the optimal direction and strategy to execute those objectives.

While financial considerations are often the primary focus, philosophical and emotional considerations that may not be as clear, also play a vital role in the approach and design of a succession plan.

Loss of a key employee or executive can be devastating for any business

Life Insurance

It plays a vital role in the planning process, but implementation and management can be complicated. Crisp Insurance Advisors has longstanding experience working successfully with businesses, executives, high net worth families, and individuals on complicated insurance transactions.

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