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There are a number of cycles that occur in an individual’s lifetime. One such cycle is the family life cycle. It can be nuclear, with only parents and their children, or extended to include grandparents, aunts, uncles and others. We recognize that individuals want to progress through the various stages of infancy, childhood, adolescence, adulthood, middle age and their senior years within an environment that nurtures love and provides economic stability. This cycle could last beyond one hundred years based on improvements in lifestyle and health care. Fundamental offers an array of financial solutions that can be tailored to you and your family’s need for protection and cash accumulation.
Your home is your castle. However your family can be at risk of losing it in the event of your death. Mortgage protection insurance is term insurance, which can be purchased cost effectively, for the term of the mortgage. The peace of mind of knowing that your family members will continue to have a roof over their head is priceless. Mortgage foreclosure is a leading cause of bankruptcy. You can also add various riders, including living benefits, which will protect your home in the event that you become terminally, chronically or critically ill. Let us make sure that you are covered!
We live in a global environment where individuals travel internationally for business and vacation. Many times they travel to the same destinations repeatedly because of their connections. It could well be that second and third generation family members live in those locations overseas. In many instances individuals send their children overseas to study. Ultimately they may even acquire property overseas. These linkages can provide a platform to significantly enhance their financial future. If you reside outside of the United States for more than 3 months a year, or you do not have a full-time permanent US residence, you can be eligible for non-U.S. resident life insurance. This opens the door to many potential benefits, particularly if you travel to the US for business or pleasure (B1/B2 visa etc.). Connections with the United States include immediate family, real estate, a business interest, or financial assets such as a brokerage account or bank account. Life insurance is a widely misunderstood and grossly misclassified financial asset. Some points to consider:
Life insurance merits consideration as a wealth-preservation strategy for foreign nationals with US assets.
The Kaizen strategy of financing the purchase of your insurance policy is a powerful one. Kaizen is the Japanese word for “improvement”. At FFA we believe in continuous improvement, particularly when it comes to meeting your insurance needs. Kaizen is simply structured finance. It involves combining financing and life insurance to leverage your cash flow to purchase the life insurance that you actually need. The concept is similar to using mortgage financing to purchase “more” home than you could afford on your own. In this case you can purchase more benefits than you could afford on your own. It is particularly useful for high net worth individuals and business owners. We can create a Kaizen strategy for you:
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