SF Partners--Life Insurance Division
Life insurance is a financial tool that business owners and other high net worth individuals often shy away from.
We believe this is true because over the years they have been hounded by over-eager, under-educated agents who love their company and their products--but forget about what is truly important--the client. Click here for our two-page brochure
Life insurance is simply a financial hedge against the economic impact of a death. Everyone understands this in the context of a young working father with a wife who stays at home raising the young family.
For a family with a high net worth, the balance sheet might, at first blush, signal no economic impact at death. But high net worth does not mean high liquidity.
Business owners often ask us these questions:
- If I die, what should my wife do with the company?
- If my co-shareholder dies, I don't have the cash to buy his shares from his wife. What then?
- My friend's key employee recently died and it almost put him out of business. How can I avoid that?
Others ask us estate related questions:
- Someone told me I need life insurance equal to half my estate. Is that right?
- My agent told me I can just have my two sons own my policy and I can save the cost of an insurance trust. What do you think?
From our perspective business owner and high net worth clients need a life insurance professional who knows how to do the job correctly based on nearly 30 years of experience.
Our Mission:
SF Partners Life Insurance Division is focused on providing Personalized Solutions for Complex Problems sm to our clients who we define and the owners of closely held middle market companies and their senior executives. We bring a consultative approach to problem solving, creativity to plan design and clear concise explanation of what is being recommended and why.
Steven R. Craig CA Ins. Lic 0644692
Susan Laine Insurance Services, Inc. CA Ins. Lic. 0F15448
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