Life Insurance Planning

Clients with significant assets often utilize Life Insurance as a financial tool that will help accomplish specific objectives. The unique tax advantages of life insurance coupled with innovative planning techniques can often provide elegantly simple solutions to complex financial issues. Often Irrevocable Life Insurance Trusts are used to prevent needless estate shrinkage due to Federal and State Estate Taxes.

The process starts with a data gathering session to determine objectives. Once the objectives are determined a plan is designed and proposed. The final stage is implementation which involves shopping for the best product and obtaining the best underwriting decisions based on any special health considerations that may impact the process. With access to over 200 of the very best life insurance companies and advanced design units, JDA & Associates is able to offer the most attractive policy and plan design for our clients specific circumstances. JDA & Associates does not maintain any special arrangements with any particular company and is driven only by the overriding goal of objectively searching for the best in class solutions.

We help clients with Estate Planning, Wealth Transfer, Supplemental Executive Retirement Plans (SERPs) and simple term life insurance when appropriate.

Life Insurance programs designed by JDA & Associates are reviewed by a Chartered Life Underwrite (CLU) and Chartered Financial Consultant (ChFC) to ensure they are properly structured and appropriate for our clients circumstances.

Sample Carriers

Sampling of Accessible Carriers (this is not a comprehensive list and subject to change without notice):

Products offered:

Whole Life

Universal Life

Variable Life

Term Life

Disability Income

Long Term Care

Annuities