We help our clients purchase the right kind of life insurance at the best possible price. We deliver exceptional service and build lasting relationships, so we can be valued advisors to our clients. Jerry Eastman is a life insurance specialist serving high income and high net worth individuals across the country. Refer a friend or family member or contact Mr. Eastman to advise you on what product will best meet your needs.
To deliver optimal value, your advisor must have access to the marketplace. Would you expect a professional golfer to win a tournament, if he only had a few clubs in his bag? There is a significant difference in the structure, flexibility and many times the cost of the life insurance products you can utilize to meet your needs. Life insurance has special tax advantages that can be utilized to create extraordinary results.
To deliver optimal value, your advisor must have access to the marketplace. Would you expect a professional golfer to win a tournament, if he only had a few clubs in his bag? There is a significant difference in the structure, flexibility and many times the cost of the life insurance products you can utilize to meet your needs. Life insurance has special tax advantages that can be utilized to create extraordinary results.
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Jerry Eastman is a life insurance specialist serving high income and high net worth individuals across the country.
He received his undergraduate degree in Finance from the University of Miami and a Juris Doctor degree from the University Of Miami School Of Law.
Mr. Eastman started his insurance practice as a career agent with Connecticut Mutual/MassMutual Financial Group.
Several years later, he changed his career/captive status with Connecticut Mutual to be able to operate as an independent producer providing totally objective counsel and product selection for his clients.
He received his undergraduate degree in Finance from the University of Miami and a Juris Doctor degree from the University Of Miami School Of Law.
Mr. Eastman started his insurance practice as a career agent with Connecticut Mutual/MassMutual Financial Group.
Several years later, he changed his career/captive status with Connecticut Mutual to be able to operate as an independent producer providing totally objective counsel and product selection for his clients.
Life insurance products typically fall into two broad categories: Term insurance and Permanent insurance.
The best Term insurance products marketed today are "guaranteed premium" policies.
Insurance companies will guarantee a fixed premium rate for 10, 15, 20, 25 or 30 years.
Your cash flow or the length of time you need protection will determine which guarantee period is best for you.
At the end of the guarantee period, premiums escalate rapidly and quickly become unaffordable.
If one's need for insurance continues beyond the guarantee period, the policyholder can take a new medical exam and re-qualify for a new policy, if they are still healthy, or they can convert their Term policy into a Permanent insurance policy without having to provide evidence of insurability.
The best Term insurance products marketed today are "guaranteed premium" policies.
Insurance companies will guarantee a fixed premium rate for 10, 15, 20, 25 or 30 years.
Your cash flow or the length of time you need protection will determine which guarantee period is best for you.
At the end of the guarantee period, premiums escalate rapidly and quickly become unaffordable.
If one's need for insurance continues beyond the guarantee period, the policyholder can take a new medical exam and re-qualify for a new policy, if they are still healthy, or they can convert their Term policy into a Permanent insurance policy without having to provide evidence of insurability.
The life insurance industry has gone through tremendous change in recent years.
Insurance companies have changed their philosophy from trying "to be all things to all people" to focusing on niche markets where they can deliver especially competitive value and capture market share.
The insurance company that will deliver the best value to you depends upon the type of product that will best meet your needs, your age, your sex and your medical profile.
Insurance companies have also abandoned uniform underwriting guidelines, and risks are evaluated differently by companies.
Insurance companies have changed their philosophy from trying "to be all things to all people" to focusing on niche markets where they can deliver especially competitive value and capture market share.
The insurance company that will deliver the best value to you depends upon the type of product that will best meet your needs, your age, your sex and your medical profile.
Insurance companies have also abandoned uniform underwriting guidelines, and risks are evaluated differently by companies.
Life insurance has special tax advantages that can be utilized to create extraordinary results.
Policies can be utilized to accumulate funds to provide the policyowner with tax-free retirement income.
The plans can be structured to meet whatever a policyowner's retirement income needs may be.
There are no limits on contributions, and contributions can be varied from year to year.
The policyowner can access the money in his policy on a tax-free basis at any age and in any way.
Money can be taken out in a lump sum, in equal installments over a period of time or on an as-needed basis.
Policies can be utilized to accumulate funds to provide the policyowner with tax-free retirement income.
The plans can be structured to meet whatever a policyowner's retirement income needs may be.
There are no limits on contributions, and contributions can be varied from year to year.
The policyowner can access the money in his policy on a tax-free basis at any age and in any way.
Money can be taken out in a lump sum, in equal installments over a period of time or on an as-needed basis.
As a result of representing many of the most sought after clients across the country, I have competed against some of the best salesmen in the insurance industry.
I have great admiration for their sales skills and their ability to sell "ice cubes to Eskimos", but that is clearly not my forte.
The driving force behind my practice is a sincere desire to deliver the best possible insurance value to each of my clients.
People don't intentionally buy high-cost life insurance.
The problem people have when they purchase life insurance is getting the information they need to be able to make a good business decision.
I have great admiration for their sales skills and their ability to sell "ice cubes to Eskimos", but that is clearly not my forte.
The driving force behind my practice is a sincere desire to deliver the best possible insurance value to each of my clients.
People don't intentionally buy high-cost life insurance.
The problem people have when they purchase life insurance is getting the information they need to be able to make a good business decision.
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