Type of Coverage:

Life Insurance for High-Net-Worth Clients from GMG Insurance Laguna

At GMG Insurance Laguna, we specialize in helping clients manage their assets for growth, protection of dependents, and wealth perpetuation. Part of this is providing a smartly combined set of life insurance solutions that can enhance all three.

Caring for Your Loved Ones

The premature death of the primary income earner or caretaker doesn’t have to spell financial disaster for dependents. The proper use of term life insurance, permanent life insurance, annuities and trusts can provide all the income needed for them to retain their lifestyle without adding financial burdens to the grief of losing a loved one.

Since the needs of dependents will change over the course of your life, your life insurance portfolio should be structured to reflect that. For example, you might need to cover a high mortgage or rent and educational expenses while your children are young. That could change over the years to a need to provide liquidity for a family business buyout or another kind of business deal.

GMG Insurance Laguna bases recommendations on your current assets, family and business structure as well as your short-term and long-term goals.

Product Options

Life insurance products vary based on the needs you are trying to meet, the assets you want to invest, the time you have to let investments work, and the returns on investment you want to generate.

For those who have few dependents but who want to protect a spouse from late-life financial problems generated by medical or long-term care costs, there are annuity solutions that can provide benefits while the insured is still living. Some products generate dividends that can be used to cover premium payments. Still others can feed a trust or be used to minimize taxable income. Your GMG Insurance agent will advise you on your best options.

Smart choices for today and tomorrow.

Turn to GMG Insurance Laguna for personalized attention on managing your assets and securing products that accommodate your lifestyle, now and as it changes over time. Contact us (949) 715-7981 or email at