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 INSURANCE SERVICES
Ensuring that your loved ones are well cared for after you're gone is a priority, especially for those who have accumulated wealth over the years and want to be sure it is passed on to the next generation in an effective and efficient manner. At Rubin Wealth Advisors, we work closely with our clients to find life insurance policies that will best serve them and their families. We have extensive expertise in life insurance planning that can help with charitable giving, business succession and estate planning.
At Rubin Wealth Advisors, one of our specialities is developing plans to ensure that special-needs children are protected and cared for after the death of their parents. Most importantly, however, we focus on providing peace of mind. As part of our commitment to clients, Rubin Wealth Advisors works to ensure that all of our clients' insurance needs are met. We serve as relationship managers, connecting you to the top experts in a variety of other insurance, tax and legal specialities. Those specialties include:
PERSONAL INSURANCE
∙ Life
∙ Disability
∙ Long-term care
PROPERTY INSURANCE
∙ Home and automobile
∙ Commercial property
∙ Vacation homes, yachts and planes
∙ Fine art and collectibles
The systems we use to help ensure that you have the right insurance for your needs include:
THE CLEARVIEW SYSTEM
The ClearView System was designed to help our clients understand their choices and objectively select the type of life insurance expertise most suited to their needs. The ClearView System is a professional process that gives our clients a transparent view of the roles in which an insurance advisor may serve, either as an agent, a broker, or a fee-based consultant. With any fee-based work, the Rubin Wealth Advisors Engagement Letter will clearly summarize both your expectations and our responsibilities to you.
CLIENT ADVOCACY
When purchasing life insurance or negotiating a life settlement, our clients are most interested in obtaining the best pricing available based on their needs. Rubin Wealth Advisors has two unique client advocacy programs –– backed by one of the strongest underwriting and life settlement teams in the industry to assist our clients in obtaining the best possible results from a broad selection of highly rated insurance companies.
THE UNDERWRITING ADVOCACY PROGRAM™
The Underwriting Advocacy Program™ is our disciplined process for helping clients obtain the best possible underwriting rating for the purchase of life insurance. It is particularly helpful in situations involving large amounts of life insurance and/or a health impairment.
The process employs specialized medical expertise and a unique method of packaging the case in order to secure insurance on the most favorable terms. Once the case is researched and packaged, a confidential market search is conducted to identify insurers who will underwrite the case on a favorable basis.
THE LIFE SETTLEMENT ADVOCACY PROGRAM™
When considering alternatives for the sale of a life insurance policy, our clients are most interested in obtaining the best possible price for their insurance.
With this objective in mind, Rubin Wealth Advisors provides leveraged access to all of the major life settlement providers through its relationship with the ValMark Companies, and uses a formal, systematic process for life settlements to ensure the highest possible value for each policy sale.
As an added measure of safety for the client, Rubin Wealth Advisors and the ValMark Companies treat the life settlement transaction as a security, placing it under the heightened scrutiny of FINRA.
The Life Settlement Advocacy Program™ also provides the assurance of having one of the industry’s leading independent teams of life settlement specialists working on the client’s behalf.
In a life settlement arrangement, the current policy owner transfers the ownership and beneficiary designation to a third party, who will receive the death proceeds upon the death of the insured. Individuals considering life settlements should carefully read the entire sales agreement, consult their advisors, and consider all available options before selling their policies. ValMark Securities and its registered representatives act as brokers in the life settlement transaction and may receive a fee from the purchaser. Consult your tax advisors regarding the taxation of life settlement proceeds. Neither ValMark Securities nor its registered representatives provide tax advice. ValMark Securities considers Life Settlements as a security transaction.
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