At Stavis Wealth, we blend expertise in life insurance with personalized service to safeguard your legacy. Two families with identical estates will likely to have very different estate planning goals. Our customized approach extends far beyond a discussion regarding life insurance and insurance placement to comprehensive trust policy management and servicing.

Insurance as an Estate Tax Payment Solution 

In many cases, a properly structured life insurance plan proves to be the most cost and tax-effective solution.  An irrevocable Life Insurance Trust plays a pivotal role in minimizing taxes and preventing forced asset liquidation. This tailored approach protects your wealth, allowing beneficiaries to inherit without the pressure of a rushed asset sale.  In an ever-changing legislative landscape, predicting Congress's impact on tax planning is challenging.  A properly funded and executed insurance trust acts as a strategic hedge, providing financial flexibility to offset unforeseen tax adjustments. This helps ensure your estate plan remains adaptable, safeguarding your family's financial future.

Ways to Pay Estate Taxes

There are only four possible ways to pay estate taxes. For those clients who are able to secure life insurance, a properly structured life insurance plan is, in most cases, the most cost and tax-effective way to pay estate taxes.

The following illustration compares the cost and impact of these options on a 65-year-old male and 63 year old female.

 

Insurance Placement

In a market where life insurance decisions aren't unilateral, we navigate pricing variations among carriers to secure the best products for your unique needs. We operate as fiduciaries, not just placing insurance but committing to full policy servicing throughout its duration.

Trust Policy Management

Our services assist with the seamless administration of irrevocable trusts. We handle vital elements, from beneficiary notices to trustee appointments, with precision and care. Navigating compliance and optimizing administration, the integrity of the trust is upheld.

Subaccount Performance Updates

Subaccount monitoring and annual performance reports regarding the performance of your subaccounts, provide our clients with timely and transparent updates. Our reports empower clients to make informed decisions, optimizing their trust's financial strategy. 

Life Insurance Servicing

We provide comprehensive life insurance servicing that goes well beyond the basics. Our updates include carrier ratings, advice on funding levels, and exploration of redeployment opportunities like long-term care or life settlements. We provide on going evaluation to align your life insurance portfolio with evolving estate needs.