Without a plan, your heirs may owe up to 40% in federal estate taxes on the value of what you leave behind — often due within 9 months of death, in cash. Businesses get sold. Properties get liquidated. Families get torn apart over an avoidable tax bill.
It delivers an income-tax-free lump sum exactly when your family needs it most — creating instant liquidity to pay estate taxes without touching a single asset you worked a lifetime to build.
Life insurance inside an ILIT passes directly to beneficiaries — bypassing probate, bypassing estate taxes, bypassing delays.
Estate planning isn't just a document you sign and file away. It's a living, breathing strategy that connects your retirement income plan, your tax position, and your legacy intentions into one cohesive whole. When it's built correctly, every piece reinforces the others.
The current estate tax exemption is scheduled to revert to approximately $7M per individual in 2026 unless Congress acts. Families with estates in that range who don't have a plan today may face significant unexpected tax exposure. This window is closing. Now is the time to act.
Your business is likely your largest asset. Without a succession plan backed by life insurance, your family may be forced to sell it at the worst possible time.
Properties are illiquid. If your estate owes taxes and all you have is real estate, your heirs face forced sales. Life insurance creates the liquidity to hold what you built.
If your total assets — home, investments, retirement accounts, life insurance you already own — exceed $7M, you may have an estate tax problem in 2026. Let's solve it now.