Yes. Permanent policies may build cash value the business can access. We describe that as a feature, not an investment, and we will explain the tradeoffs. ...
Generally premiums for key person coverage are not deductible, and specific rules apply to the proceeds. Confirm the tax treatment with your CPA.
The recognized approaches look at the person's contribution to earnings, the cost to recruit and train a replacement, and any debt or contract obligations that depend on them remaining. ...
Amounts are generally modest and subject to carrier and state limits. We can explain the typical ranges when we talk.
The business owns the policy, pays the premium, and is the beneficiary. Proceeds go to the company to help it absorb the loss.
Often yes. Ownership can typically transfer to the child in adulthood, and many policies allow added coverage at set ages without a new exam. Terms vary, so we review ...
No. Cash value may build over time, but we do not present it as an investment or promise any return. It is a feature of a permanent policy. ...
It depends on your goals. If locking in lifelong insurability and a level premium matters to you, it may be a good fit. If your priority is protecting income, ...
No. Values are not guaranteed and depend on the policy terms, crediting, and costs. We do not project returns.
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Founded in 2011, Schneiderman Insurance Agency is local to the San Fernando Valley, and licensed across California, with our agency office located in Granada Hills, CA.
CA Agency License: #0J21925
Zachary Schneiderman CA License: #0H37316
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