We believe people should buy life insurance for two reasons. The first is strictly for the death benefit. When all you want is death benefit, the most common option is term life insurance. However, there are rare instances where ultra high net worth individuals and couples want to buy a death benefit and term life insurance isn’t the best solution. The second reason people buy life insurance in our opinion is a combination of a need for death benefit and a desire for their capital to grow. We offer our clients a solution that covers either reason they may be purchasing life insurance.
What you leave out is often more important than what you put in when it comes to life insurance policies. We have studied dozens of different life insurance products and have settled on a few that we believe are well structured and offer value to our clients. If you don’t see it, it is because we don’t like it.
Individuals and couples have turned to Sera Capital for advice regarding life insurance for almost three decades and we have yet to find a situation where the types of insurance products we omit make sense. Our analysis of these products is always the same. If there is either a cheaper way to get the same thing or an equal cost way to get more, then the product should not be a serious consideration.