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All written content on this site is for information purposes only. Opinions expressed herein are solely those of Samra Wealth Management, A Member of Advisory Services Network, LLC.  All information contained herein is derived from sources deemed to be reliable but cannot be guaranteed.  All economic and performance data is historical and not indicative of future results.  All views/opinions expressed herein are solely those of the author and do not reflect the views/opinions held by Advisory Services Network, LLC. The information and material contained herein is of a general nature and is intended for educational purposes only.  This does not constitute a recommendation or a solicitation or offer of the purchase or sale of securities. Before investing or using any strategy, individuals should consult with their tax, legal, or financial advisor.

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© 2018 by SAMRA WEALTH MANAGEMENT, A Member of Advisory Services Network, LLC.

Insurance Planning

We take the guess work out of insurance planning by identifying gaps of coverage and areas of over insurance.  We work with your insurance company to implement coverage that aligns with the needs of your family or business.  We are able to maximize coverage by creating hybrid insurance models.  With a ratio of whole life permanent insurance with term life coverage, we ensure our clients have adequate coverage while minimizing expenses.  In partnership with your insurance agent(s), effective insurance planning can help with:

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  • Replacing the income of a deceased/incapacitated spouse or family member.

  • Negotiating a divorce settlement.

  • Funding a Buy-Sell Agreement: a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or is otherwise forced to leave the business, or chooses to leave the business.

  • A collateral assignment: a conditional assignment appointing a lender as the primary beneficiary of a death benefit to use as collateral for a loan. If the borrower is unable to pay, the lender can cash in the life insurance policy and recover what is owed.

  • Tax & Estate Planning.

Insurance products and services offered by licensed insurance agents.  Advisory Services Network, LLC does not provide insurance products and services.

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