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Unit Investment Trust
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403 b - Plan for Non Profit Organization Annuities
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Venture Capital
Advise on municipal bond issues
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Management of Government Sponsored Retirement Plans
LIFE INSURANCE
Life insurance products are designed to be long term investments, and should be purchased with this in mind. The client should understand that, if a more attractive investment appears after a life insurance product has been purchased, it may not be economically feasible to switch out of the insurance. Life insurance products are frequently promoted by insurance agents as viable alternatives to other investments. One of the effects of the Tax Reform Act of 1986 (TRA) has been to enhance the relative attractiveness of insurance products as tax deferral vehicles. The TRA eliminated or limited the tax reduction or deferral characteristics of many popular investments, including limited partnerships, real estate, and IRAs. The tax free accumulation of earnings within life insurance and annuity products remains unchanged, however.
Two insurance products may be viewed as investment vehicles rather than solely risk management tools.
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