Julia
Turning investment returns into family protection through IUL
Services Provided
Insurance Solutions
Succession Planning
Client Background
Julia is a successful entrepreneur and mother of two children in middle school. They live in the UK. Having partially exited her business, she now allocates her wealth into an investment portfolio that generates steady, reliable annual returns.
Client’s Goals
As the bread earner of her family, Julia is concerned that her family is rather dependent on her, and that any unexpected loss of income could disrupt her family’s living standard and children’s education. She would like to complement her steady investment strategy with a financial safety net for her family.
Our Tailored Solutions
An Indexed Universal Life (IUL) policy was recommended to Julia. Through a multi-pay arrangement, Julia could fund the policy premium with a portion of annual returns from her current investment portfolio, giving her beneficiaries a lump sum payout should any unexpected event happen.
Oakcean helped compare across brokerage and insurance partners, reviewed cost and payment terms, and jurisdiction considerations, and selected the provider that best fit Julia’s long-term goals.
Outcome
Julia is reassured having arranged life insurance protection for her family and continues to benefit from investment returns.
The policy ensures her family’s financial stability and lifestyle.
Upon claim, the insurance proceeds are paid directly to her beneficiaries, bypassing complex probate procedures.
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