Life insurance in a hostile environment

By Steve Savant

Ash Brokerage Corporation

Seeking shelter in creditor-proof trust instruments and/or life insurance is another tactical defensive planning move that can insulate a business from asset exposure in a business environment. Each state has its published creditor limits for cash values in life insurance and in annuities. It’s important to note that several life insurance policies feature early cash values with no surrender charges that create an ideal cash sanctuary and provides additional death benefit coverage. Steve and Ike devise strategies for the use of life insurance a creditor protected cash item with policies that support early cash value accumulations.