Estate Benefits
Life insurance is an extremely efficient method of transferring wealth to the next generation. As mentioned earlier, it’s tax-free in many situations including the estate tax, when structured correctly.
Read MoreCustom Tailored Permanent Life Insurance Policies to Get Excited About
Permanent life insurance as a predictable, low-risk, flexible asset.
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Term Life Insurance
The VOSS Difference
Your life insurance has to change to meet your needs throughout your lifetime. The policy you bought a few years ago may not be the best option for you right now. Unfortunately, most people don’t do regular audits of their policy, let alone when major life changes happen.
Changing a life insurance policy isn’t easy either, making it even more essential that your policy is structured correctly at the outset. That’s why VOSS asks the questions other agencies don’t bother to, because our unbiased and objective advice is aimed at accomplishing one thing:
We increase benefits and/or reduce premiums for over 90% of our clients.
When paired with the thoughtful financial planning VOSS can provide, our clients can benefit from permanent life insurance as an asset - a predictable, low-risk, flexible, solution. A custom tailored policy from VOSS can include:
Tax Benefits
The accumulation of cash value is tax deferred and typically tax-free on the back side. The death benefit, structured correctly and held in a trust, is also capital gains tax free and estate tax free.
Read MoreLiving Benefits
Life insurance is designed to help you take care of your loved ones with the financial security of a death benefit, but a custom premium policy structured by VOSS can help you take care of yourself also.
Read MoreFlexibility
Using a portion of your net wealth to secure a sizable death benefit gives you the freedom and flexibility to use the remainder of your wealth as you see fit. The death benefit, combined with the other benefits that come with
Read MoreVolatility Buffering
Life insurance can act as a “volatility buffer” that maintains value in a down market. While this role has typically been filled by bonds, the financial crisis of 2007-2008 was a prime example of why bonds can no longer
Read MoreCreditor Protection
Although laws vary by state, most states protect some or all of the cash value from creditors as long as the policy is structured in a way that protects the policy owners and beneficiaries.
Read MoreWant to know if a Custom Designed Whole Insurance policy is right for you?
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Testimonials
Client Reviews
I have had the pleasure of working with Vignesh for almost a year.
Coming into my role at oneservice, he proactively contacted me explaining our coverage and ways he thought we could improve the benefits offered to the employees. He continuously is looking for ways to help my company offer more benefits while working to get the most cost-effective options. He and his team are highly knowledgeable, communicate continuously, understand our unique needs of having employees all over the country not just in one location, and work to ensure my employees and I are kept well informed will any questions answered thoroughly and quickly. The support has been amazing! I would recommend Vignesh to anyone looking to work with a very professional, supportive underwriter who has not only the company's but the employees' well being in the front of his mind.
Jonathan Mensch
President North America at oneservice, Inc
I highly recommend working with Vignesh.
We engaged him four years ago to help us with our family financial planning. Vignesh has used various strategies and out of the box thinking to consolidate our financial assets and make our portfolio more manageable and organized. He always puts his client's interest first, and has been a reliable and tremendous asset for both our personal and business financial needs. If you or your company are looking to work with someone who is knowledgeable and has your best interest at heart, look no further.
Ramesh Balan
CEO and Founder at Knomadix
Vignesh is a detailed person,
He listen what his clients want and provide solution dynamically. Very responsive and reliable. I hired him and will hire him for my future insurance related services.
Arun Kumar
President & CEO of CAP Digisoft Solutions Inc./Flobile, John Maxwell Certified Speaker
We have worked with Vignesh for several years
And have been very happy with the service and knowledge he has. He and his team have provided us innovative solutions to help us to save a lot of money on our company health insurance while also helping us receive a refund of premiums for additional savings to our business.
Baku Kshartriya
President at ECOM Consulting, Inc
