Do your children, relatives, or parents rely on your income? Can your spouse survive on his or her current income if you were to die tomorrow? If there is anyone dependent on your income, you need life insurance.

Our Insurance Solutions help you take an accurate assessment of your current and future needs, and helps you plan for “What-If” situations. Whether it’s whole, universal, or term life insurance, we work with you to understand your needs. We then recommend the best policy, regardless of the provider. We do not sell insurance. Rather, we connect you to the best resources after learning more about your, your family, and your specific set of circumstances.

TypeTermUniversalWhole
Needs it helps meetIncome replacement during working yearsWealth transfer, income protection and some designs focus on tax-deferred wealth accumulationWealth transfer, preservation and, tax-deferred wealth accumulation
Protection periodDesigned for a specific period (usually a number of years)Flexible; generally, for a lifetimeFor a lifetime
Cost differencesTypically less expensive than permanentGenerally more expensive than termGenerally more expensive than term
PremiumsTypically fixedFlexibleTypically fixed
Proceeds paid to beneficiariesYes, generally income tax-freeYes, generally income tax-freeYes, generally income tax-free
Investment optionsNoNoNo
May help build equityNoYesYes

Global Advisers Investment Services

Interested in our services? Speak with a certified financial professional.

800-832-8514


Ext — 1402


Monday – Friday 8 a.m. to 8 p.m.
Saturday 10 a.m. to 4 p.m.
Eastern time

Wealth Management

Our solutions are carefully designed to help our clients achieve their financial goals and objectives. We work closely with high-net-worth individuals, families, foundations, and endowments to develop wealth ...

US citizens living anywhere in the world and US resident aliens may open cash or margin Individual Retirement Accounts (IRAs).

IRA margin accounts allow trading so the account can be fully invested as well as the ability to trade multiple currencies and multiple currency products, but are subject to the following limitations:

  • No cash borrowing (i.e. cannot have a debit balance or short stocks).
  • IRA accounts may be opened in any base currency, but when trading in a non-base currency product, a currency trade must be executed first as you cannot borrow currencies.
  • Withdrawals are permitted only in USD.*
  • No stock or option cross-margining.
  • No currency borrowing.
  • Futures trading in an IRA margin account is subject to substantially higher margin requirements than in a non-IRA margin account. Margin rates in an IRA margin account may meet or exceed three times the overnight futures margin requirement imposed in a non-IRA margin account.

Customers are advised to consult with their adviser and tax specialist for further details on IRA rules and regulations.
Residents of Canada may not open Individual Retirement Accounts.