Wealth Optimization

LIFE INSURANCE:

Due to our reputation, extensive relationships and many years of experience, Tamar Fink will negotiate competitive rates available among the industry’s most financially strong and reputable carriers. We are a strong and principled presence in the life insurance community, contributing through leadership and insight to industry conferences and publications.

We are “independent” agents who advocate on behalf of our clients representing them in the insurance marketplace. We are owners of Lion Street who are fiercely independent producers of the highest and most successful agents in the US. We are also members of these leading industry organizations: MDRT, Forum 400, Top of Table and AALU.

We have successfully placed billions of dollars’ worth of policies on behalf of our clients. Tamar Fink specializes in working with successful individuals some of whom are 80, experiencing health challenges. We frequently find unexpected value for these individuals that traditional advisors may have categorized as uninsurable. Tamar Fink is diligent in exploring every possible avenue to secure cost-effective coverage. Our hard work and relationships frequently results in impacting pricing of policies.

 

PREMIUM FINANCE:

Premium financing, like life insurance, is another territory that if successfully navigated, can present tremendous opportunity to individuals and families. Tamar Fink has had over 15 years of risk management experience working with numerous lenders in the industry; carefully selecting products and designs that best fit the client’s needs.  Tamar Fink sifts through the myriad of options available in today’s market to help provie maximum value to our clients.

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LIFE INSURANCE POLICY AUDIT

Tamar Fink has the background, skill and resources to consult on the viability of your existing life insurance policy as most consumers are unaware that their premium alone is often insufficient to sustain their coverage indefinitely.

Upon request, Tamar Fink will complete a thoughtful and comprehensive life insurance policy review in order to identify:

  • Properly versus improperly priced policies
  • Where additional premium is needed above and beyond what the insured had been paying, in order to sustain the policy
  • Policies that are over projected (e.g. optimistic rates of return)
  • Policies in jeopardy of lapsing
  • Policies currently lapsing
  • Fiduciary liability and/or gaps

LIFE SETTLEMENT*

Tamar Fink thoughtfully reveals hidden assets, sometimes in the least likely places.
An unwanted life insurance policy can be a source of unexpected wealth to enjoy, invest or donate. To discover this untapped wealth, successful clients ask Tamar Fink to explore life settlement options.

This is an exciting, multibillion-dollar industry, allowing individuals to sell policies to the most respected institutional investors.

By selling policies, you can:

  • Redeem unwanted, outdated policies that have seemingly lost their value
  •  Replace them with more appropriate policies, often with lower premiums and/or stronger guarantees
  •  Discover new wealth to enjoy, invest, pass on or give back
  •  Retain family benefits for fewer out-of-pocket costs

Tamar Fink acts as an advocate on your behalf with expertise in the life settlement marketplace and has access to the entire industry of buyers. More than 20 years in the market makes Tamar Fink one of the nation’s most experienced firms, with hundreds of successful life settlement transactions completed.

We’d like the opportunity to review your life insurance policies to see if we can reveal hidden assets.

*Investors should consult with their own professional advisor regarding the potential tax, estate, and legal considerations that may arise in connection with entering into a life settlements transaction. Proceeds from a life settlement transaction may be taxable under federal or state law to the extent the proceeds exceed the cost basis. The proceeds from a life settlement transaction may be subject to claims of creditors. The receipt of proceeds from a life settlement transaction may adversely impact eligibility for government benefits and entitlements. The amount received for the sale of the Policy may be impacted by the circumstances of the particular purchaser of the Policy, the insured’s life expectancy, future premiums, the death benefit, the terms of the Policy, and the current market for insurance policies, among other factors. The amount received for the sale of the Policy may be more or less than what others might receive for the sale of a similar policy. There may be high fees associated with the sale of a Life settlement.

No Cost Insurance Policy Audit

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  • CONTACT US TODAY, SCHEDULE A REVIEW AT NO COST
  • CALL 612-922-3113