Personal Life insurance

Life insurance is a policy that provides the payment of a death benefit to a designated beneficiary at the time of an insured(s) death. Life insurance also has a variety of unique characteristics, including:

• Policy cash values accumulate on a tax deferred basis
  
• Policy death benefits are generally received income tax free
  
• Policy cash values may be accessed on a tax advantaged basis
• Policy cash values are creditor protected

As a result of these factors, we believe that life insurance is one of the most underutilized assets in most people’s portfolio. When structured correctly, the rates of return inside an insurance policy are exceptional, and often out-perform just about any stock you’ll ever own.

RBR offers custom fit (not “off the shelf”) solutions for our clients. And we continue to actively manage that solution, just like any other asset in your portfolio. We are independent and not tied to one carrier, so we can shop the market on your behalf and bring the best solutions for you and your family. Types of life insurance we provide include:

• Term
  
• Whole Life
  
• Universal Life
  
• Indexed Universal Life
  
• Survivorship Life