Discover financial solutions that protect your future and provide peace of mind. Whether you're exploring annuities, life insurance, or understanding employee benefits through your workplace, Â鶹´«Ã½ offers resources and products designed to meet your personal and family goals.
Support your workforce with innovative employee benefits and retirement solutions. Â鶹´«Ã½ partners with business owners, benefits administrators, and pension fund managers to create customized programs that attract and retain top talent while securing their financial future.
Simplify complex retirement and pension risk management with our tailored solutions for large organizations. Â鶹´«Ã½ specializes in working with institutions to address their unique challenges, offering expertise in pension de-risking and strategic retirement planning for a more secure future.
Empower your clients with confidence by leveraging Â鶹´«Ã½â€™s comprehensive portfolio of financial products. From annuities to life insurance, we provide the tools, resources, and support to help financial advisors and brokers deliver exceptional value and long-term results.
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Individuals
Discover financial solutions that protect your future and provide peace of mind. Whether you're exploring annuities, life insurance, or understanding employee benefits through your workplace, Â鶹´«Ã½ offers resources and products designed to meet your personal and family goals.
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Employers
Support your workforce with innovative employee benefits and retirement solutions. Â鶹´«Ã½ partners with business owners, benefits administrators, and pension fund managers to create customized programs that attract and retain top talent while securing their financial future.
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Institutions
Simplify complex retirement and pension risk management with our tailored solutions for large organizations. Â鶹´«Ã½ specializes in working with institutions to address their unique challenges, offering expertise in pension de-risking and strategic retirement planning for a more secure future.
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Financial Professionals & Brokers
Empower your clients with confidence by leveraging Â鶹´«Ã½â€™s comprehensive portfolio of financial products. From annuities to life insurance, we provide the tools, resources, and support to help financial advisors and brokers deliver exceptional value and long-term results.
Sources:
1 Deloitte, “The holy grail of effective leadership succession planningâ€
2 PwC, “The ‘missing middle’: Bridging the strategy gap in family firmsâ€
3 Conway Center for Family Business America’s Economic Engine
4 KWC, "Why Business Owners Don’t Plan for Succession"
5 Talexes, "2017 Succession Planning Statistics"
6 Investopedia, "Do Small Business Owners Need Financial Advisors?"
7 Northwestern Mutual, "Americans with Financial Advisors Are Significantly More Comfortable Balancing Present and Future Financial Goals"Â
Â鶹´«Ã½ is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.
Â鶹´«Ã½, its affiliates, their distributors and respective representatives do not provide tax, accounting or legal advice. Any taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor or attorney.
Â鶹´«Ã½ refers to Â鶹´«Ã½ and its affiliates, including Â鶹´«Ã½ & Annuity Company. Insurance products are issued by Â鶹´«Ã½ in all states except New York and in New York by Â鶹´«Ã½ & Annuity Company. Product/material availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.
Â鶹´«Ã½, its affiliates, their distributors and respective representatives do not provide tax, accounting or legal advice. Any taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor or attorney.
For federal income tax purposes, life insurance death benefits generally pay income tax-free to beneficiaries pursuant to IRC Sec. 101(a)(1). In certain situations, however, life insurance death benefits may be partially or wholly taxable. Situations include, but are not limited to: the transfer of a life insurance policy for valuable consideration unless the transfer qualifies for an exception under IRC Sec. 101(a)(2)(i.e. the transfer-for-value rule); arrangements that lack an insurable interest based on state law; and an employer-owned policy unless the policy qualifies for an exception under IRC Sec. 101(j).
In order to sell life insurance, a financial professional must be a properly licensed and appointed life insurance producer.
Â鶹´«Ã½ is located in Newport Beach, CA.
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