Estate Planning

THE PROBLEM: Federal Estate Death Tax

In 2020 the tax code provides that every penny in excess of $11.58 million dollars per individual ($23.16 million per married couple) is taxed upon death at rates that rapidly escalate to 40%. For the truly wealthy, an $11.58 million-dollar estate tax exclusion doesn’t begin to preserve the substance of what you have worked so hard to accumulate.

THE SOLUTION: Life Insurance held in an ILIT (Irrevocable Life Insurance Trust)

Developing a life insurance strategy today will help efficiently transfer guaranteed, tax-free cash along to the client’s heirs in the future. Life insurance should be viewed not only as an asset within your overall portfolio but also as an investment alternative – one that helps you stay diversified.

There is a lot of value to the word “guarantee”. Estate tax mitigation is a key element of estate planning, but in order to be effective in minimizing tax liability, it is vital to understand the criteria for imposing both estate and income taxes.

With the right life insurance strategy, you can safeguard who and what you care about while creating opportunities for your wealth to go further.

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Danielle Toth-Paul 407-221-1817