Life insurance and wealth management
When addressing your wealth management goals, life insurance can be a valuable part of your investment portfolio as certain benefits can be structured tax-efficiently. Working closely with our Trusts & Estates and Lending teams, we can help you set up your life insurance policy to ensure it works in harmony with the rest of your portfolio.
Planning for you and your family's future may mean making sure you have protections in place against the unexpected. Whether your goals are to manage your wealth efficiently or to ensure seamless wealth transfer, life insurance can play an effective part in helping you to manage risk.
Estate planning and wealth transfer
Transfer wealth to heirs and beneficiaries and offset estate taxes.
Tax-aware investment strategy
Potential to achieve returns that are income tax-free and not tied to the market.
Liquidity
Protect your beneficiaries lifestyles by providing a level of guaranteed liquidity.
Talk to your J.P. Morgan Team about how life insurance can fit into your wealth and estate plan.
Passing the Torch: Life Insurance in your Estate Plan
How can families leverage life insurance to transfer wealth?
LEARN MORETypes of life insurance
Term life insurance
Provides temporary protection for a specific duration
Common terms:
1, 5, 10 year terms
Permanent life insurance
Provides permanent coverage for your entire life
Types of permanent life insurance
- Whole life insurance: Living and death benefits from your policy’s cash value
- Universal life insurance: Accumulates cash value you can access during your lifetime
- Linked benefit life insurance: Enhanced benefit options to pay for long-term care expenses without jeopardizing your legacy
