OVERVIEW

As a wealthy American, you and your spouse have an asset that is often overlooked.  Life insurance - your insurability.

You may be among the many individuals your age who have already acquired life insurance for a myriad of reasons.  Chief among these may be:

• Providing liquidity to pay estate taxes

• Retiring debts at death

• Providing income producing assets for survivors

• Replacing the value of assets to heirs that may have been gifted to charity

• Creating charitable foundations or fulfilling charitable bequests

Your personal circumstances at the time you acquired your policy(s), directly or through trusts, may have changed and a review is a prudent step to take.  Among the circumstances that should prompt a review could be:

• Changes in the value of your estate

• Death of an heir

• Divorce

• Changes in cash flow to support premiums

• Life insurance policy performance

• Changes in gift and estate tax rates and rules

• Changes in your intentions as to the ultimate disposition of your wealth

Finally, a new market has evolved that may mean that there is a higher value of your policy(s) than the current cash surrender value.  This financial market, life settlements, could provide new choices as you examine the performance and options available for your existing life insurance holdings.

OUR PROCESS

Solenture has developed the Re-engineering Life^sm process to provide you and your advisors with a thorough examination of the performance of your life insurance portfolio.

Our consultants will review your policies utilizing a five-step process which begins with an understanding of your life insurance portfolio to assess its goals, plan and financial performance. Our targeted analysis will answer questions such as, What objectives have changed?  Does the overall plan still make sense? What opportunities exist to improve financial results?  With newly refined planning objectives identified, Solenture can recommend the best combination of program re-engineering that aligns best with your current goals.

For more information on Solenture's Re-engineering Life^sm Services,
contact us at 1-800-456-7226.

DISCLAIMERS

The material and analysis within this report requires careful review and consideration.  You, the client, should review it thoroughly with your personal tax and/or accounting advisors.  Solenture, Inc. and Solenture Advisors LLC are neither accounting nor legal advisors and you should not rely solely on this information for your final decision.

The above advice was not intended or written to be used, and it cannot be used, by you for the purposes of avoiding any penalty that may be imposed by the Internal Revenue Service.

The above advice was written to support the promotion or marketing of the transactions or matters addressed by the written advice, and, based on the particular circumstances, you should seek advice from an independent tax advisor.

Securities products offered through registered representatives of Mid Atlantic Capital Corporation (MACC). Member FINRA and SIPC. Solenture is not a subsidiary or control affiliate of MACC.
Advisory services offered through Solenture Advisors LLC., a registered investment advisor.