A resident of Middletown, NJ, Ryan Keller began his work in financial management as a certified Financial Planner (CFP) when he worked at AXA Advisors in Woodbridge. While at AXA Advisors, Ryan Keller managed a team of eight, as well as designed retirement and estate plans for clients. He spent eight years at the company. Since he began in the finance industry more than a decade ago, Mr. Keller has gone on to become partner and owner of JDARK Consulting, LLC, in Middletown, NJ. In these positions, he leads the independent insurance brokerage firm and works with local agents to implement distribution systems. In addition to his work at the consulting firm, he works as a financial advisor with Epic Wealth Management, LLC, in nearby Red Bank. At this company, he offers estate planning and risk management strategies to clients. To help him remain up-to-date on industry trends, Ryan Keller belongs to the Million Dollar Round Table (MDRT). He also sits on the board of the Certified Financial Planner (CFP) organization.
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Three Types of Life Insurance Policies for Businesses
A certified financial planner, Ryan Keller serves as a financial advisor with Epic Wealth Management LLC in Red Bank, NJ. Ryan Keller also serves as a managing partner of the Middletown, NJ-based JDARK Consulting, where he works with clients to develop retirement and estate planning solutions.
Life insurance offers financial security to businesses in the event of the death of a partner or employee who is vital to the operation. The company itself is the policy’s beneficiary, enabling it to cover potential losses and allowing the surviving partners to purchase the deceased individual’s shares. There are multiple types of life insurance policies with unique coverage periods and benefits. Here are a few:
Whole life insurance
This type of policy insures individuals throughout their lives, provided that policyholders maintain annual premium payments. A portion of those payments go toward increasing the policy’s cash value, which businesses can borrow against to pay off loans and use for emergency expenses. Building cash value also provides tax advantages.
Term life insurance
Term life insurance covers an insured individual at a fixed premium over a specified time frame. While the premiums are lower, these policies do not accumulate in value. In addition, if the policy expires prior to the death of the insured, then the funds are forfeited. Moreover, the same premium rates are not guaranteed upon the renewal of the policy.
Second-to-die insurance
A second-to-die policy shares many similarities with whole life insurance, except that it covers two individuals, and payout occurs after the second policyholder dies. Also known as survivorship insurance, these policies can potentially feature lower premiums because they are only paid out after the deaths of both policyholders.
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Estate Planning: The Benefits of Life Insurance Trusts
Ryan Keller is a certified financial planner who formerly provided retirement and estate plans as a certified financial planner at AXA Advisors in Woodbridge, NJ. Currently, Ryan Keller is a financial advisor at Red Bank, NJ-based Epic Wealth Management, where he leverages over a decade of experience to provide clients with insurance and estate planning solutions.
Estate planning often involves creating a life insurance policy to provide financial protection to an insured individual’s ’s surviving family and dependents. While the unlimited marital deduction under the United States Federal Estate and Gift Tax Law enables the insured’s named spouse to receive payouts tax-free, other beneficiaries may assume responsibility for any of the estate’s taxable assets. This occurs when the policy’s proceeds exceed the amount of the state’s estate tax exemption.
However, a person can prevent some assets from becoming taxable by establishing a life insurance trust. A type of irrevocable trust, this vehicle designates the life insurance policy as the asset and places it under the control of a trustee. This is a third-party individual who manages the policy on behalf of its beneficiaries after the insured dies. Moreover, proceeds from the trust can be used to cover estate taxes.
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