PLANNING BEFORE PRODUCT
Good Insurance Advice Begins Before the Product Discussion.
We start by understanding your circumstances, priorities, and the issues that may affect the outcome. We quantify the financial impact, evaluate the available paths forward, and only then determine whether life insurance belongs in the solution.
If it does, we design the strategy around the planning need.
PLANNING SITUATIONS
Where AIP Is Most Often Asked to Help
Estate Liquidity & Wealth Transfer
Create liquidity to support estate, family, business, or charitable objectives.
Business Succession & Continuity
Address ownership transition, buy-sell obligations, and key-person exposure.
Existing Policy Review
Evaluate whether current coverage, funding, guarantees, and ownership still support the original objective.
Executive & Income Protection
Protect key people and important income streams when their loss could materially affect a family or business.
Long-Term Care & Family Protection
Plan for care needs and family obligations that may affect wealth and flexibility.
Complex Underwriting & Capacity
Navigate medical, financial, age, or capacity issues that may affect insurance availability and design.
Planning Across Borders?
AIP’s Global Wealthy Citizens program is designed for international and cross-border insurance planning involving U.S. life insurance.
OUR PLANNING PROCESS
From Planning to Implementation
01
Understand
Establish the relevant facts, relationships, existing coverage, and financial context.
02
Clarify
Define the outcomes that matter most and the issues that may stand in the way.
03
Quantify
Evaluate the financial impact, cost, or risk of maintaining the status quo.
04
Design & Underwrite
Assess structure, funding, carrier, product, and underwriting alternatives when insurance is appropriate.
05
Implement
Coordinate execution with your legal, tax, wealth, and other professional advisors.
ANALYSIS BEFORE RECOMMENDATION
A Clearer Basis for the Decision
We organize the relevant facts, objectives, risks, underwriting considerations, and financial consequences so you and your advisory team can evaluate the alternatives before making a product decision.
UNDERWRITING
Underwriting Is Part of the Advice.
Pricing and availability can materially affect whether an insurance strategy works. For appropriate cases, AIP develops an underwriting strategy and evaluates market interest before a final product decision.
Assess Early
Identify medical and financial issues before product selection.
Test the Market
Evaluate carrier interest and potential terms.
Compare with Better Information
Use underwriting results to inform the planning decision.
IMPLEMENTATION TOOLS
Products Come After the Planning Decision.
Depending on the objective, the solution may involve individual life insurance, asset-based long-term care, disability coverage, annuity strategies, or specialized corporate insurance structures. More complex private-placement or corporate-owned structures may also be considered when appropriate.
LONG-TERM STEWARDSHIP
The Work Does Not End When a Policy Is Issued.
Insurance is a long-duration financial contract. We remain engaged to help keep the strategy aligned as circumstances evolve.
Policy Performance
Funding Assumptions
Carrier Strength
Ownership & Beneficiary Structure
Changes in Planning Circumstances
YOUR NEXT STEP
Start with the Planning Situation.
Tell us what you are trying to accomplish and what is creating uncertainty. We can help you determine whether life insurance belongs in the solution.