But let’s look past even a life policy’s funding for any large expenses that might loom over your family: a mortgage, funeral costs, college tuition, perhaps care of aging parents or a special-needs child. Here at Thomas Financial we look at these protections as the very beginning of long-term thinking. Then, your basic needs covered, we move on to using life insurance as a means of reducing tax liabilities, both income and transfer. We’ll investigate the best possible investment opportunities for the cash values accruing in your policies. Sometimes, we’ll bring term insurance into play, using the difference in its costs verses comparable cash-value costs as funds for immediate application in other parts of your plan. At bare minimum, we look upon the policies’ premiums as enforced savings for investment, more than just a ready source of cash.

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A beyond broad selection of policy-types awaits our use – graded premium life, interest-sensitive whole life, endowment policies, universal life, modified endowment contracts, hybrid family protection policies, variable life, and on. And on.​

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Come see us. Let’s explore some opportunities.

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*Variable Universal Life Insurance/Variable Life Insurance policies are subject to substantial fees and charges.  Policy values will fluctuate and are subject to market risk and to possible loss of principal.  Guarantees are based on the claims paying ability of the issuer.