Top
Lane
& Associates
Insurance
Meeting New Challenges Together
Insurance Products provide some of the most powerful benefits available to business owners, their employees and heirs. The Lane Group offers risk management and personal insurance services in several states through a sole proprietorship owned by Cheryl A. Lane since 1990.
Insurance Products have some of the most attractive tax benefits allowed by the Internal Revenue code. A thorough understanding of the tax attributes found in insurance products combined with other sophisticated tax structures allow The Lane Group to create very powerful results for business owners by showing them how the proper placement of their insurance products will address several of their business goals without acquiring excessive coverage.
Plans developed for business owners often require the purchase of insurance products in order to stabilize the company's future and position it for maximum growth. Because insurance products offer the most effective means of providing:
 |
Attractive employee benefits such as health and dental plans, disability and life insurance coverage to protect employees' families against the costs of illness, work absences or death. |
|
Protection for business operations from the loss of revenue due to the death or disability of a key employee or owner. |
|
Assurance for bankers and potential investors that business operations will not be interrupted by the untimely death or disability of a key employee or business founder. |
|
The funds to buy a partner or business associates share of a jointly held business from their heirs in the event of a premature disability or death. |
|
Funding to protect family members from the loss of their primary and secondary wage earners. |
|
Discounted dollars for payment of estate taxes. |
|
Tax deferred income plans to supplement topped out pension plans. |
|
Tax advantaged funds to pay for deferred compensation arrangements. |
Lane and Associates may help their clients obtain insurance coverage from many of the best rated carriers in the country. They are also able to help their client's create their own policy that will be custom designed to meet the clients needs while meeting the requirements of the Internal Revenue Code and placed with one of the world's largest insurance companies.
Lane and Associates places applications for Life, Disability, Health and Long Term Care insurance products through numerous general agents in order to provide their clients with the largest possible variety of quality products.
Our clients may also purchase term life insurance directly over the internet. Clients may review fast quotes selected from among the top Term Life Insurance companies, and choose the policy they want 24 hours a day 7 days a week. They can get the lowest rates available anywhere from "A" rated or higher companies. Affordable policies may even be available for many who have been turned down before. To take the hazzle out of buying term life insurance click here to discover how simple and inexpensive it really is.
Variable contracts and permanent insurance products contain enhanced tax benefits and should be considered as a component of a comprehensive financial plan in order to properly place them for the maximum tax and estate planning benefits. These products are considered to be securities must be purchased through The Lane Group's affiliation with Linsco/Private-Ledger.
Private Placement Insurance policies are no-load policies that are offered by the world's largest insurance companies and can offer tremendous tax planning, asset protection and business structuring benefits that are unmatched by any other financial product. These policies are custom-made to suit the specific needs of the policy's owner in order to snuggly fit the most attractive benefits into their financial plan.
The provisions of these policies must be designed with great care in order to meet the specifications of the Internal Revenue Service and other regulatory authorities. It is recommended that parties interested in exploring the benefits of private placement insurance work closely with an advisor such as:
|
The Lane Group CPA firm who has an in-depth knowledge about the tax attributes of insurance products. |
|
An investment advisor such as The Lane Group LLC who is aware the investment alternatives available to and restrictions imposed upon insurance policy separate accounts. |
|
An international financial advisor such as Le Groupe Lane Internationale Ltd. who is able to make introductions to the international companies whose private policy structures provide the most beneficial match to their client's personal needs and business goals |