SISU FAQ’S and Resources

It depends on your goals. Many high-net-worth families use permanent life insurance (such as whole or universal life) to provide estate liquidity or fund an irrevocable trust (ILIT). We help you evaluate options based on tax impact, longevity, and cash flow needs.

Term insurance provides coverage for a set number of years (typically 10–30) and is generally lower-cost. Permanent insurance offers lifelong protection, often with a cash value component. Permanent policies are better suited for legacy and estate planning

Life and disability insurance are essential tools for buy-sell agreements and key-person coverage. They ensure your business can continue operating—or transition smoothly—if an owner or executive is lost unexpectedly.

An Irrevocable Life Insurance Trust (ILIT) allows life insurance proceeds to be kept outside your taxable estate, helping preserve wealth across generations. If you're facing estate tax exposure, this can be a powerful tool.

The right amount depends on your income, family structure, estate size, and business interests. We offer personalized coverage reviews based on your specific goals—not generic formulas.

Long-term care insurance helps cover the cost of care at home or in a facility if you become unable to care for yourself. It’s most cost-effective when purchased in your 50s or early 60s, and there are hybrid policies that combine it with life insurance.