Legacy, Made Practical
Our AIS model aligns cash flow, protection, and opportunity: your #1 Asset (you), your #1 Investment (business/career), and your #1 Strategy (properly structured whole life for guaranteed, protected, liquid reserves).
We pair this with a simple family playbook—beneficiaries and ownership structured correctly, a clear policy review cadence, and a written “why” that outlives market cycles.
Over time, properly structured cash value becomes your family’s opportunity fund, teaching the next generation how to steward capital with intention—not impulse.
From Term to Timeless: Why Add Whole Life
• Guarantees you can plan around
• Liquidity when life happens
• Coordinates with investments, estate, and tax strategy
Many families keep term and add whole life to build durable, accessible capital. We’ll show you the numbers and trade-offs. We’ll also map your conversion windows and show how staged, partial conversions can smooth premiums while strengthening guarantees.
Your Checklist
1. Confirm beneficiaries/owners
2. Review term conversion windows
3. Check cash value and premiums
4. Update (or start) your estate planning