Insurance Management

Our diverse offering of services delivers a forward-looking perspective to our clients’ financial lives, providing clarity as well as a sound basis for investment, estate, retirement, and business succession, as well as tax planning.

Life insurance is a financial tool that is often utilized in wealth management for its leveraging and preferential tax characteristics. The magnitude of its role in financial planning has led us to develop strong internal consulting capabilities. Insurance is a complex financial asset with a multitude of features and riders that affect cost, risk, and return. These need to be monitored on an ongoing basis.

We take a bespoke approach to a client’s insurance needs by reviewing existing policies for necessity, purpose, income and estate tax consequences, risk, cost, and exercisable options. We also analyze the integration of new products vs. other alternative financial instruments and techniques.

Given that each client’s insurance needs are different, we advise on variety of issues:

Analyzing and comparing policy performance relative to original projections for existing policies or making comparisons of new products by testing product illustrations, company performance, and financial strength relative to projections.
Re-engineering existing contracts to make improvements for better performance.
Advising clients on any changes needed to achieve the intended objectives of the policy or plan.
Comparative cost benefit analysis of a variety of financial instruments and techniques which meet objectives.
Reviewing split dollar programs, deferred compensation funding, buy/sell funding, and other business uses of insurance contract.

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Please Note: Limitations. The scope of any financial planning and consulting services to be provided depends upon the terms of the engagement, and the specific requests and needs of the client. Capital Advisors, Ltd., LLC does not serve as an attorney, accountant, or insurance agent. Capital Advisors, Ltd., LLC does not prepare legal documents, nor does it sell insurance products.

If the client engages us to do so, Capital Advisors, Ltd., LLC can provide tax preparation services as discussed in Capital Advisors, Ltd., LLC’s written disclosure Brochure (a copy of which is linked to this web site) per the terms and conditions of a separate engagement and fee.

If the client desires, one of Capital Advisors, Ltd., LLC’s representatives, in their separate licensed individual capacities, can be engaged to provide insurance sales/services as described on Capital Advisors, Ltd., LLC’s written disclosure Brochure (a copy of which is linked to this web site) per the terms and conditions of a separate engagement and fee.