Preserve. Protect. Equalize.
An unexpected death can financially devastate an entire family, especially if it occurs to the primary breadwinner, leaving you with questions like: who will pay the mortgage, take care of medical bills, or send the kids to college? Preserving family harmony and instilling peace of mind in your loved ones, even after you are gone will ensure fair distribution and protection of your financial assets. Families need life insurance because it helps them solve liquidity, tax, and estate planning issues, including special needs, estate equalization and charitable endeavors.
Preserve Family Harmony After You Are Gone
Beneficiaries almost inevitably fight over inherited assets when the founder is no longer there to intervene. You can avoid this outcome with a written estate plan and life insurance, because:
- Estate planning instructions will dictate “who gets what and when” to eliminate any confusion as to your intent and to discourage protracted disagreements.
- Life insurance leverages the premium dollars paid into an income tax-free cash death benefit that your beneficiaries can use to equalize their inheritances, especially if your estate is illiquid (real estate, family business, etc.).
Protect Your Family by Creating Liquidity
An unexpected death can financially devastate an entire family, especially if it occurs to the primary breadwinner, leaving you with questions like: who will pay the mortgage, take care of the medical bills, or send the kids to college?
- Preserving family harmony and instilling peace of mind to your love ones, even after you’re gone, will ensure a fair distribution and protection of your financial assets.
- Families need life insurance because it provides immediate liquidity to help them solve tax and estate planning issues including special needs, estate equalization among heirs, and charitable endeavors.
Minimize Taxation and Protect Asses for Your Heirs
Death and taxes are two certainties of life. A thoughtfully-designed estate plan that incorporates life insurance can help you and your heirs:
- Preserve wealth for you, your family, and your favorite charities.
- Minimize taxation of your assets.
- Create tax-free liquidity right at the time it’s needed.
- Provide asset protection for multiple generations.
- Achieve peace of mind that comes with having your affairs in order and protecting your family.
"Since the partners have legal backgrounds, they understood how to properly design our coverage to accomplish my family's wealth transfer planning objectives." — John Hullverson, Esq., Partner, EmisonHullverson Law Firm, Tiburon, CA
"As a practicing lawyer, I constantly come across professionals who claim to work in the life insurance field, but Acumen Insurance Advisors truly specializes in life insurance. Since the partners have legal backgrounds, they understood how to properly design our coverage to accomplish my family's wealth transfer planning objectives. They also brought important issues to the table that my family did not originally consider. Due to changes in family dynamics, we had to make decisions that required significant changes to our policies, and Acumen helped every step of the way. I strongly recommend working with this firm."
We feel secure knowing that our needs will be met in the event that anything happens to either or both of us. — Steve and Mamatha Rosenbaum
We are both professionals in the world of high tech and life insurance has always been a key part of our financial planning. We feel secure knowing that our needs will be met in the event that anything happens to either or both of us. Life insurance provides a solid backup to meet our mortgage, medical, education for our kids, and other major expenses in case we are not around to continue providing for our family. Most of all, life insurance gives us peace of mind. We have known David Jacobs of Acumen Insurance Solutions for 20 years. He is an expert in the field, providing guidance, transparency, and, above all, a high level of trustworthiness. You can trust him with your life insurance needs, too!
Real estate is my area of expertise and life insurance planning is his. — Eric Murphy, President, ELM Enterprises
David Jacobs coordinated with me, my mother, our CPA, and our attorney to design life insurance coverage to help fund our family’s multi-generation tax and estate plan. David’s legal background was of great value during our team’s planning discussions. Many years later, when tax laws changed and our need for some of the insurance lessened, he helped us liquidate coverage for far more than we paid in premiums. Real estate is my area of expertise and life insurance planning is his. David can be trusted to help you and your family, too.
He even works in close coordination with our family's financial advisor, who recognized his special expertise in the life insurance area. — David Selig, CEO, Advice Dynamics Partners, LLC
David Jacobs at Acumen Insurance Services has provided peace of mind for my family for decades now. As founder & CEO of a boutique mergers and acquisitions consultancy, I know what it means to deliver top-tier advice and service to demanding clients. David delivers this and more on every front for us. He's handled our personal and business insurance needs in an honest, knowledgeable, and transparent manner -- crucial traits to have. He even works in close coordination with our family's financial advisor, who recognized his special expertise in the life insurance area. If you want to work with a life insurance pro who you can count on, David Jacobs should be your first call.
Not only does David assist me and my wife with our life insurance needs, but his depth of expertise and excellent communication skills make me feel comfortable — Will Griffith
As a practicing lawyer, I understand the importance of working with professionals who are knowledgeable and trustworthy. That’s why I rely on David Jacobs with Acumen Insurance Solutions. Not only does David assist me and my wife with our life insurance needs, but his depth of expertise and excellent communication skills makes me feel comfortable when he is advising my mother on her coverage as well. You will have a great experience working with David.