We take the guesswork out of insurance planning by identifying gaps in 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:
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.
Advisory Services offered through Samra Wealth Management, a Member of Advisory Services Network, LLC. Insurance products offered through Samra Insurance. Advisory Services Network, LLC and Samra Insurance are not affiliated. Mr. Samra is a licensed insurance agent, offering insurance products and services of unaffiliated insurance companies through Samra Insurance. If you purchase insurance products and services through Mr. Samra as an insurance agent, Mr. Samra may receive commissions or other compensation.
This additional compensation may present a conflict of interest because it creates an incentive to recommend products and services based upon compensation, rather than on your needs. Mr. Samra will explain the costs associated with any recommendations he makes. You have no obligation to do business with Mr. Samra in his other capacities. Please be advised that Mr. Samra strives to put his clients’ interests first and foremost.
Neither Samra Wealth Management nor Advisory Services Network, LLC gives tax or legal advice. All decisions regarding the tax implications of your investments should be made in consultation with your independent tax or legal advisor.
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