Insurance Solutions

When appropriate for your specific situation, we provide access to industry-leading insurance providers who can help you establish the correct type of insurance for your needs.

Insurance and Annuities

When appropriate for your specific situation, we provide access to industry-leading insurance providers who can help you establish the correct type of insurance for your needs.

When appropriate for your specific situation, we provide access to industry-leading insurance providers who can help you establish the correct type of insurance for your needs.

Explore our insurance solutions and services

Life Insurance

Life insurance is an important estate planning tool. It allows you to protect your income and leave significant wealth to your heirs. Depending on the size of your estate, you can use life insurance to leave a tax-free inheritance to your beneficiaries. Life insurance can also eliminate inheritance inequities, provide financial support for special-needs heirs, and provide you with a greater level of financial security.

Disability Insurance

Disability insurance matters a great deal if you become unable to work due to a disability or an injury. Although some employers provide disability insurance, the amount of coverage is often insufficient to cover regular living expenses.

Long-Term Care

If you’re concerned about the rising costs of long-term care and the financial impact it will have on you and your family, you may want to consider long-term care insurance. Long-term care insurance typically covers the costs of care needed beyond 100 days, up to either a specified number of days or a specific benefit amount.

Annuities

Annuities are contracts between you and an insurance company that provides guaranteed income for life. They are meant to complement, not replace, other types of retirement plans. The benefits of an annuity include tax-deferred growth, guaranteed yield, downside protection, flexible withdraws, and protection for your beneficiaries. There are several types of annuities, including variable, fixed, indexed, and income, all having different characteristics and providing different benefits and features.

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Brokerage and insurance products: Are not deposits • Are not FDIC-insured • Are not insured by any federal government agency • Are not guaranteed by the bank or any affiliate of the bank • May lose value

1. Insurance products are underwritten and issued by participating insurance companies. Not all policies and product features are available in all states or regions. This is not an offer or solicitation in any jurisdiction where the policies are not approved for sale. Any obligations under the policies are the exclusive obligations of the insurance companies and are subject to the financial conditions of the insurance companies. Global Advisers has no relationship with any insurance provider.

2. Neither Global Advisers nor its representatives are licensed to sell life insurance products. As fiduciaries, we seek the best insurance coverage on behalf of our clients and make introductions to qualified insurance providers as needed. Neither Global Advisers nor its representatives receive any compensation for recommending insurance products or providers. Recommendations are provided only if we believe that our clients will benefit from securing insurance. None of this information is meant as a recommendation to purchase or sell any product. For educational purposes only.

3. Withdrawals will permanently reduce the cash value and death benefit. Loans will reduce the cash value and death benefit by the amount of the loan outstanding plus interest.

Guarantees are subject to the terms and conditions of the contract and are backed by the claims-paying ability and financial strength of the issuing insurance company, not Global Advisers. Guarantees do not apply to the separate account or the underlying portfolios available within the contract. An optional living benefit is not a contract value and is not available for withdrawal like a cash value. The actual contract value will deplete with each withdrawal.

Variable annuities and registered index-linked annuities are sold by prospectus only. Before purchasing an annuity, you should consider the features of the contract, applicable investment options, index strategies (if applicable), and investment objectives as well as the risks, charges, and expenses associated with the annuity and its investment options. The prospectus contains this and other information, which should be read carefully before investing. Contact us at 1-844-GALLEON and ask your financial advisor for more information about obtaining a prospectus.

The value of a variable annuity may be more or less than the premiums paid, and it is possible to lose money. Variable annuities offer tax deferral on potential growth.

Index-linked variable annuity contracts are complex insurance and investment vehicles. There is a risk of loss of principal if negative index returns exceed the selected protection level. Gains or losses are assessed at the end of each term. The risk of loss can be greater in the case of an early withdrawal due to any surrender charges and the Interim Value calculation associated with such withdrawals.

Annuities are long-term investment vehicles designed for retirement purposes.

Minimum requirements are determined by the insurance provider, not by Global Advisers.