We offer several types of Insurance Structures, the true goal being to maximize the efficiency & structure of your cash, as to serve your individual goals, not just sitting somewhere 'hopefully' or 'ideally' accumulating, as a general concept that 'more would be nice'.
Cash-accumulation accounts are great, & certainly cash-accumulation is 100% involved in many of the structures we offer, but what of all the other factors like tax-deferral, market downturn, net-performance or guaranteed amounts over time... ?
Of course diversity is advisable in any portfolio as a concept, 'don't have all your eggs in one basket', however, as a bed-rock of total reliability, within the legal IRS-Code one cannot do better than Insurance Structures on guaranteed financial performance, be that, with Indexing (IUL), growing on market-gain experiencing literally 0 loss in market downturn, self-loaning & using tax-free gains which never need paid back putting you further ahead, or Annuities, guaranteeing actual income for life, forever, regardless of what happens in the economy or market over the years, while all these options are a superior structuring of your cash with regard to tax.

There are simply better ways for cash to be treated over time, ways that factor in the 'downs' with the 'ups' (Indexing, Annuitizing), not simply sit around hoping for a 'high' while falling behind in the 'lows' (Stocks, 401, IRA), as well more specific ways of structuring cash for greater tax-benefit & longevity (Insurance Structures).

Every case goes through Suitability, crossing the desks of top advisors & fiduciaries in the country. With provided information & goals, calculate best structure with the best in the business.