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No investment plan is complete without assessing the need for insurance. Wayne Hummer Wealth Management can serve as an excellent source of advice on insurance planning. We begin by reviewing a client's insurable interest, then we propose an appropriate policy type and face amount to efficiently cover the obligations involved. Some investors may benefit by using insurance as an estate planning tool to pass inheritance to heirs in a tax efficient manner, which may be accomplished with an irrevocable life insurance trust. Other important areas that we address include disability insurance, liability umbrella and long-term care insurance. |