Designing a life insurance program to meet your family or business needs requires more than simply securing the lowest cost. Your financial objectives should be coordinated with your cash flow to pay premiums, and consideration must also be given to your income and estate taxes. Good planning also requires weighing carrier suitability and securing financial and medical underwriting.

Once your program is established, it must be periodically monitored to make sure that it still meets your expectations. Over time, your needs and/or tax laws may change. Your policy's actual performance may also vary, for the better or worse, from what was originally illustrated.

At the WS+B Insurance Services Group, LLC, we can assist you in designing insurance coverage that best meets your financial objectives. Through our strategic alliances with well-respected financial service providers, we can help take the confusion and complexity out of insurance planning so you can make informed decisions on how best to meet your personal and/or business needs. We can help you reach your goals with:

• Family income replacement analysis
• Estate tax needs analysis
• Business planning/succession analysis
• Guaranteed term or permanent coverage review/comparison
• Survivorship life comparative cost review
• Disability income needs
• Income structuring through guaranteed annuities

Our insurance specialists will examine your current coverage to determine its suitability for your current situation. If alternatives exist to more closely meet your needs, they will be reviewed with you on a "no obligation" basis. Whether you want to protect your family or protect your business, we will assist you in developing the cost-effective insurance plan you need for peace of mind.

Contacts:

Princeton:
Paul Gergel, CPA/PFS, CFP^®
pgergel@withum.com

Jay Sexton, CPA/PFS, CFP^®
jsexton@withum.com