Insurance Strategies

RiverStone Insurance Agency exists as an independent platform to access the best strategies from among the best carriers, while minimizing cost.

When properly incorporated into your financial strategy, insurance can:

Minimize the risk of estate tax

Paying estate taxes may not be possible without selling or liquidating assets. Life insurance can provide immediate cash to the trust or your heirs, free of income tax.

Achieve charitable goals

You can make a substantial gift for a relatively modest cost by designating a charity as a beneficiary.

Create an estate

Life insurance can be used to create an estate that helps protect and preserve your family’s lifestyle.

• How long has it been since you purchased your insurance policies? 

• Are you paying higher premiums tied to the outdated actuarial tables? 

• Interested in having a comprehensive analysis?  

We can tell if you could be getting the same amount of insurance for less money, more value for the same money, or if your current policies are adequate. (LINK)¹

Manage Business Continuity

If you own a business, a properly structured insurance program can be used to fund a buy-sell agreement, protect against the death or disability of a key person, or ensure business continuation by providing a temporary source of cash flow.

Protect Loved Ones

Essential to protecting your legacy, adequate life insurance protection can play an integral role in your estate planning. 

Provide Disability Income

What if your income stopped due to a disability in your family? 

How important is it to know you have mitigated this risk? 

Offset Long-Term Care Expenses

Concerned about escalating medical costs? Shifting some of the risk to a Long-Term Care policy is a strategy worth reviewing. 

Provide for Specialized Insurance Needs

Are you looking for innovative and highly personalized strategies to protect and maximize your estate, and/or enhance your compensation? 

Wealth transfer strategies and non-qualified executive benefits, while complex, can be rewarding for wealthy families and successful executives. 

Request a Comprehensive Insurance Analysis