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Executives Executive Carve-Out Long-Term Care Insurance Retirement Security Plan Corporate-Owned Insurance as Deferred Compensation Executive Carve-Out Long-Term Care Insurance Give your firm a competitive advantage with long term care insurance, available through the worksite for you and/or your key employees. You know that hiring and training new executives can be expensive and smart companies try to retain their executives by making benefits available that help improve their executives’ quality of life. Individual long term care insurance for your key executives and their extended family members can help them protect themselves and their loved ones against the many burdens – both financial and emotional – associated with a long term care need. There are several key benefits to a long term care insurance policy. Typically, individual long term care insurance policies obtained through a worksite offer may qualify for a discount on premiums. In addition, the policy is guaranteed renewable and fully portable. The cost of tax-qualified individual long term care insurance premiums paid by your company may be fully deductible as a regular business expense, and executives will not be taxed on the long term care benefits they receive. Retirement Security Plan Our Retirement Security plan for allows for highly compensated individuals to continue contributions to retirement plans when a career-ending disability occurs. When a highly compensated individual becomes disabled, contributions to their retirement plans stop. As a result, they can suffer catastrophic losses in their retirement benefits at age 65 - the very time when payments to them from their disability insurance plans usually terminate. Most people are unable to buy additional disability insurance to cover this risk because of the limit insurance companies place on disability insurance. Our disability plan solves this problem by enabling highly compensated individuals to purchase up to an additional $1,000,000 in tax free benefits - regardless of the amount of disability insurance they already have. When they become disabled, these benefits will be paid to them to be invested so their retirement assets will grow just as if they were working. The plan may be issued individually or on a group basis without medical examinations if at least 10 employees participate. Corporate-Owned Insurance as Deferred Compensation If you are looking for a valuable fringe benefit for yourself or a key employee, consider a universal life insurance with long-term care benefits. It offers guaranteed benefits that can reimburse key executives for qualified long-term care expenses, as it helps to protect retirement assets. Reimbursements are income tax-free, and your business is entitled to a tax deduction for any long-term care benefits paid. Another advantage is its money back guarantee, which gives you the flexibility to obtain a return of premiums paid. We will show you how this benefit to yourself or a key employee is also a very valuable benefit to the corporation.

Home ClientNet Sectors We Serve Individuals & Families Retirees Executives Businesses Unions Charities Credit Unions Human Service Agencies Foresight Financial Planners, Inc. 950A Union Road, Suite 206 West Seneca, NY 14224 716.677.2950 Securities offered through Securities America, Inc. (SAI), Member FINRA/SIPC. Advisory Services offered through Securities America Advisors, Inc. (SAA). SAI and SAA may only transact business in those states and international jurisdictions where we are registered/filed notice or otherwise excluded or exempted from registration requirements. Any communications with prospective clients residing in international jurisdictions where SAI and SAA and its registered representatives are not registered or licensed shall be limited so as not to trigger registration or licensing requirements. Health, other non-variable insurance products and estate planning are not offered through SAI or SAA. Legal and identity theft plan services are provided solely by LegalShield. Information should not be construed as legal or tax advice; you should speak with an attorney or tax advisor. Neither SAI or SAA assisted in the preparation of this material, and while it is believed to be from a reliable source, its accuracy and completeness are not guaranteed. Opinions expressed are those of the author and are not necessarily those of SAI and SAA. The material has been prepared or is distributed solely for informational purposes and is not a solicitation or an offer to buy any security or instrument or to participate in any trading strategy. SAI and SAA are not responsible for information contained in websites or literature referenced herein. SAI, SAA, Foresight Financial Planners, Inc., LegalShield and other companies listed herein are separate entities, individually owned and operated.