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Insurance

Insurance is there to protect you against the dire financial impact some of life's costly events might have in store for you and your loved ones. Having the right cover in place for your short- and long-term needs will keep your assets and finances in order. This is likely to include personal insurance, liability insurance, and life insurance. Listed below are some of the benefits of having life insurance in place. 

Potential Benefits for Clients 

  • Holistic financial plan 
    Insurance should be a critical component of this approach, which factors in the actual plans and goals of a client when making decisions on financial models. It’s responsive to a client’s life events, such as divorce, unemployment, purchasing a home, or major illness. 
  • Tax-advantaged growth 
    Permanent life insurance offers a means to accumulate tax-advantaged savings that can be accrued during the policy owner’s lifetime. 
  • Income-tax free death benefit 
    A significant life insurance advantage is the death benefit payable to a beneficiary, which is generally income-tax-free. 
  • Estate Planning 
    Life insurance can be used in estate planning to address debt, taxes, income replacement, probate, or charitable contributions. Several policies are applicable, including joint life that insures two people, with the death benefit payable upon the death of the second insured. Irrevocable insurance trusts can be created to act as a policy beneficiary to exclude policy proceeds from an estate. 
  • Retirement Planning 
    Life insurance can be a vehicle for supplemental retirement income. Term life insurance provides cost-effective basic protection upon death, however permanent life insurance has a cash value component that can accumulate and be used for income.
  • Business Considerations 
    Life insurance can act as a funding mechanism to cover several business contingencies. Situations in which it can be applied include business continuity, succession plans, buy/sell agreements for partnerships, or protecting a key employee. 
  • Charitable giving 
    Life insurance proceeds are ideal for a charity 

*This is not intended to provide personal advice or service, and may may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you. Guarantees are based on the claims paying ability of the issuing company.

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109 3rd Avenue
Baraboo, WI
53913 USA

  •  Tel: 608-356-7449
  •  jennifer.kinzler@thirdoakinv.com

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Baraboo State Bank & Third Oak Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Third Oak Investment Services, and may also be employees of Baraboo State Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Baraboo State Bank or Third Oak Investment Services. Securities and insurance offered through LPL or its affiliates are:  

Not insured by FDIC or Any Other Government Agency

Not Bank Guaranteed

Not Bank Deposits or Obligations

May Lose Value

 
The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AZ, CA, IL, KS, FL, MI, MN, NC, NJ, NV, OH, TX, UT, WA, WI.

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