As your family’s personal wealth increases, so does your need to protect that wealth. As part of your comprehensive financial plan, your Moneta Family CFO will review and advise you on existing insurance policies, advising you on gaps or overlaps in your family’s scope of coverage, even helping you find the most appropriate coverage available in the market place. For clients with highly specialized or complex risk management needs, Moneta can provide access to many industry-leaders who provide objective property and casualty advice to affluent families.
Learn more about the different types of Risk Management that our advisors and wealth managers can provide for you by watching this short video featuring Jim Blair, Partner at Moneta:
These materials were prepared for informational purposes only and are not a solicitation to buy or sell securities, insurance or other investment products. Your situation is unique and before making any investment, insurance purchase or other financial decision, you should contact an appropriately licensed and credentialed professional. Past returns are not indicative of future results.
The Rate of Return on Insurance shown assumes that a Universal/Permanent Life policy has been purchased with a policy limit/death benefit of $2,500,000 and that annual premiums equal $14,717. The Rate of Return on Insurance shown also assumes that premiums are paid until the death of the insured. Investment of insurance premiums in asset classes not shown (e.g. equities) would have materially different rates of return than those rates of return shown and such rates of return could be materially greater or less than the rates of return shown for either Insurance or Fixed Income.
The U.S. Treasury Yields shown are based on actual 10, 20 and 30 year U.S. Treasury yields as of October 3, 2016, and assume no reinvest of interest. In addition, this chart assumes a onetime investment into one U.S. Treasury maturity (e.g. 10, 20 or 30 years) and that no additional bond purchases or investments are made during the periods shown. These factors may have a material impact on overall returns that are not reflected in the above chart. Further, U.S. Treasury Yields are subject to change based on market conditions, which may increase or decrease the actual yield achieved at the time of purchase and/or sale. Finally, the U.S. Treasury Yields assume that any bond purchase is held to maturity and not sold at a premium or discount, which in either case could materially change the rate of return achieved by an investor.
The investments described herein may not be suitable for all investors. Nothing herein should be utilized or interpreted as guaranteeing any specific rate of return. The chart shown herein is only intended to depict the potential rate of return that may be achieved under the specific circumstances and assumptions described herein. Premiums due on any insurance product, and available policy limits, are based on underwriting determinations and actual premiums and benefits vary significantly on a case-by-case basis. There is a risk of loss associated with Universal/Permanent Life insurance if the owner of the policy fails to make timely premium payments during the life of the insured.