Estate and Succession Planning

Life insurance has always been a cornerstone for any estate, charitable, succession, and wealth transfer plan. Recent developments in the industry and changes in the tax code have created heightened interest in the latest concepts and strategies using life insurance as a planning tool. Oswald’s approach includes utilizing these concepts to solve issues facing the affluent and the business owner.

New estate and succession concepts

These concepts have all been proven to bring increased capabilities and value to a well-designed life insurance portfolio:

• Life settlements, which involve selling existing permanent or term life insurance contracts to the institutional market
• Annuity arbitrage, which capitalizes on the underwriting differentials and payout rates in the annuity and life insurance marketplace
• Private placement, which involves designing and building life insurance programs including the use of hedge funds
• Premium financing, which uses leveraged dollars for a life insurance purchase

Policy audits identify the need for policy revisions, due to tax code changes (split-dollar and loan rescue plans), and product enhancements, resulting in reduced mortality and expense charges. Our wealth management planning team will create solutions tailored to meet you and your family’s life insurance portfolio needs.