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Life Insurance
Life insurance is a funding mechanism that can assist in solving business or personal financial problems that arise in certain situations such as estate transfer, income replacement, estate preservation, business ownership transfer, retirement income and more. SKCG works with attorneys and accountants to draft a plan appropriate to the given situation. The firm then works with quality insurance carriers to find the right type of life insurance (permanent or temporary) that meets the plan criteria. Life insurance is not a commodity, it is a tailored product that requires expertise and finesse. Disability Income
A disability, particularly a long term disability, can be disruptive financially and emotionally. Disability income programs can be designed by SKCG to replace income on either a short or long term basis. When the program is properly designed, products can be structured to offer partial or total income replacement, often on a tax-free basis.
SKCG coordinates the underwriting process with carriers and clients to establish a fair and equitable offer for both parties. Throughout the process SKCG monitors the industry to properly position clients within the market. Long Term disability income policies can be used in a variety of situations both personal and professional.