New York pre-retirees at age 55 to 65 have accumulated significant assets. Without the right structure, estate taxes, probate costs, and capital gains can erase a meaningful portion. Permanent life insurance addresses all three.
The gap nobody talks about
You're in your peak earning years. Your net worth is at its highest. This is exactly when the wealth transfer plan should be locked in.
New York's estate tax exemption is $6.58 million in 2024. Estates above the cliff face an effective tax rate of up to 16%. A properly structured life insurance policy funds that liability without forcing asset liquidation.
An indexed universal life policy accumulates cash value linked to market indexes, grows tax-deferred, and distributes tax-free via policy loans. For high-income earners, that's a more flexible structure than a Roth IRA.
Health changes after 60 make it harder and more expensive to qualify for life insurance. Locking in coverage at 55 to 60 in good health gets you the best rates you'll ever see.
Former Oracle Principal Consultant. PhD researcher. Queens-based. I work with carriers across the full market — not captive to one company — so you get the right coverage at the right price.
A structured 30-minute conversation that shows you exactly where your financial exposure is — and what it would take to eliminate it. No sales pitch. No pressure. Just a clear picture of where you stand.
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