WHAT WE DO

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T: 800-262-6644

T: 212-242-2800

F: 212-242-2800

475 Park Avenue South

Suite 2100

New York, NY 10016

T: 800-262-6644

T: 212-242-2800

F: 212-242-2820

LIFE INSURANCE

Insurance is a complicated area and the right guidance is important.  By assisting you through the maze of options, we offer comprehensive individual services for life insurance, disability income, long-term care as well as group life insurance, medical, disability insurance, and group long-term care.  We work with several actuaries and insurance brokers to get you a competitive product at the right price and level of coverage.  Rather than selling insurance, we act as your consumer advocate to buy the right policies.

 

When most people think of life insurance, the first question that usually comes to mind is, “How much do I need?”  The death benefit* of the policy is only part of the picture.  There are waivers and riders and eligibility and waiting periods and on and on.

 

Need a life insurance policy?  Let us educate you about term life insurance, as well as your cash value life insurance options: whole life, variable, or universal life.  (We told you it was complicated…)  There are special types of life insurance to address special needs.

 

Here are some simple questions and answers on this subject that are sure to get you thinking.

Why do gay and lesbian people need life insurance?

For the same reasons everyone else does. In addition, if you own assets jointly with your partner and you may owe estate tax, life insurance can prevent your partner from having to hold a fire sale.

Are you purchasing a home?

Life insurance proceeds can pay off the mortgage.

Do you have consumer debt?

Life insurance proceeds can pay the debt in full.

Are you a couple earning two incomes?

Life insurance proceeds can replace the income of one partner.

Do you own a family business?

Life insurance proceeds can be used to purchase the business from the heirs of the family.

Do you have children?

Life insurance proceeds can be used to pay for college education expenses, child-care expenses, etc.

Will estate taxes be due on the life insurance at your death?

Life insurance can be held outside of your estate, such as in an irrevocable life insurance trust or cross-owned; and the proceeds can be used to purchase the assets from the estate or be used to pay the estate tax.

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* Guarantees and benefits provided by life insurance products are subject to the claims-paying ability of the issuing     insurance company

Check the background of this financial professional on FINRA's BrokerCheck.

LGBT, LGBTQ, GLBT, GLBTQ, Lesbian, Financial Planning, Financial Plan, Financial Planner, Gay Financial Advisor, Financial Services, CFP, Investment, Investments, Investment Manager, Investment Advisor, Wealth, Wealth Management, Wealth Manager

Call

T: 800-262-6644

T: 212-242-2800

F: 212-242-2820

LGBT, LGBTQ, GLBT, GLBTQ, Lesbian, Financial Planning, Financial Plan, Financial Planner, Gay Financial Advisor, Financial Services, CFP, Investment, Investments, Investment Manager, Investment Advisor, Wealth, Wealth Management, Wealth Manager
LGBT, LGBTQ, GLBT, GLBTQ, Lesbian, Financial Planning, Financial Plan, Financial Planner, Gay Financial Advisor, Financial Services, CFP, Investment, Investments, Investment Manager, Investment Advisor, Wealth, Wealth Management, Wealth Manager
LGBT, LGBTQ, GLBT, GLBTQ, Lesbian, Financial Planning, Financial Plan, Financial Planner, Gay Financial Advisor, Financial Services, CFP, Investment, Investments, Investment Manager, Investment Advisor, Wealth, Wealth Management, Wealth Manager

© 2019 by

Christopher Street Financial.

All rights reserved

Securities offered through Kestra Investment Services, LLC (Kestra IS), member  FINRA / SIPCInvestment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Christopher Street Financial is not affiliated with Kestra IS or Kestra AS. Neither Kestra IS nor Kestra AS provide legal or tax advice and are not Certified Public Accounting firms.

 

This site is published for residents of the United States only. Registered Representatives of Kestra Investment Services, LLC and Investment Advisor Representatives of Kestra Advisory Services, LLC, may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all of the products and services referenced on this site are available in every state and through every representative or advisor listed. Neither Kestra IS or Kestra AS provides legal or tax advice. For additional information, please contact our Compliance department at 844-5-KESTRA (844-553-7872).

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