Life insurance is a key component in various areas of financial planning such as business succession planning and estate planning, among others. When a taxpayer who is subject to the estate tax does not properly structure the life insurance policy, the entire policy might become subject to the estate tax – at a tax rate exceeding 50% of the face value! Understanding the various life insurance policy options can be very complex. At Stone & Associates, we are experienced in working with our clients and their life insurance advisers and attorneys to make sure that our clients' life insurance policies meet all their planning needs.

Once it becomes clear that a policy is needed for the right reasons, it is equally important to find the best pricing for the best policy, based on your needs. Because life insurance is so important, Stone & Associates has partnered with Gil Mintz Agency to assist our clients in acquiring life insurance. Naturally, we always encourage our clients to get multiple quotes to ensure that they get the best policy that meets their objectives at the lowest cost.