Life Insurance Services

Life presents many challenges. Whether you are a business, family, or an individual, ensuring that you and your assets are protected does not have to be one of those challenges. Our team of highly credentialed and experienced advisors provides comprehensive solutions – including consultations and insurance plans tailored to your specific requirements – to meet your need to mitigate risk. Our level of involvement doesn’t stop there. Our team can also help you navigate discussions with insurance carriers and obtain reimbursements for claims.

Life insurance is fundamental to every financial plan. It might even be considered an asset class of its own. It provides families with income replacement in case of pre-retirement death or serves as a post-retirement legacy benefit. It protects your family and business, and it helps transfer wealth from generation to generation.

Executive Benefits

Attractive benefits help your business recruit and retain the best talent. Our team will help research and outline creative, effective benefits to help you recruit, retain and reward executives in leadership and top-performer positions.

Buy-Sell Agreements

Change is inevitable in business, but partners or proprietors leaving an organization should not necessarily bring loss of revenue. Our experience with Buy-Sell Agreements can help if you need to purchase or sell interests within a business.

Individual Life and Disability Insurance

Do you have a plan to protect your family financially if you are no longer around? Our knowledgeable advisors will work with you to research and identify Life and Disability Insurance solutions that build security for your family’s needs and lifestyle.

Key Executive Planning

Businesses of all sizes have employees who are critical to their success. Our experienced advisors will work with you to develop an optimal plan that protects you and your business’s finances should anything unexpected happen to a key employee.

Tax Planning

Tax opportunities are available to businesses of any size or structure. Are you taking advantage of them all? Our team of experienced specialists will help you assess your financial situation and create a strategy tailored to your specific needs.

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.

Long-Term Care Insurance

As we age, we often require long-term health care services. Our Long-Term Care solutions offer flexibility when choosing the right level of comfort and care, including Home/Community Care, Assisted Living, or Full Nursing Care.

Business Succession Planning

While retirement may feel distant, creating a thorough, thoughtful succession plan is crucial for your business. Our highly experienced team will help you identify the next generation of leaders and create a sound plan for transferring stock, business assets and more.

Estate Planning

You have the power to maximize the value of your estate. Our specialists help you effectively plan for the transition of your assets, a critical service that helps minimize taxes and maximize the value that will be transferred to family members, charities and more.

Annuities

You will spend a lifetime accumulating funds for your retirement. Annuities can provide a tax-advantaged option to safely accumulate these funds and protect you from outliving your assets.

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice. Although it is possible to have guaranteed income for life with a fixed annuity, there is no assurance that this income will keep up with inflation. There is a surrender charge imposed generally during the first 5 to 7 years or during the rate guarantee period. The guarantee of an annuity is backed by the claims paying ability of the issuing insurance company. There is a surrender charge imposed generally during the first 5 to 7 years that you own a variable annuity contract. Withdrawals prior to age 59½ may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Investment sub-account values will fluctuate with changes in market conditions.

An investment in a variable annuity involves investment risk, including possible loss of principal. Variable annuities are designed for long-term investing. The contract, when redeemed, may be worth more or less than the total amount invested. Variable annuities are subject to insurance-related charges including mortality and expense charges, administrative fees, and the expenses associated with the underlying sub-accounts. Investors should consider the investment objectives, risks and charges and expenses of the variable annuity carefully before investing. The prospectus contains this and other information about the variable annuity. Contact your financial professional to obtain a prospectus, which should be read carefully before investing or sending money.

BroadcastMed has been working with Summit for over six years. They have proven themselves a big step beyond our previous providers. Personalized attention and dogged pursuit of our best interests have set them apart. Further, we have come to rely on Summit’s strategic guidance when it comes to taking care of the people who take care of us, our employees. Summit’s vision and counsel have saved us countless thousands in precious resources and human capital.

Peter Gailey, President & Co-founder
BroadcastMed, Inc.

I have worked with Summit since 2009 and have known Rick Christy for 15 years or so. Rick and Summit were very instrumental in helping my wife and me use insurance products to plan for our retirement. I can’t overstate how significant their support in this one area has been, as their advice has put us in the position to be able to retire ahead of plan! Beyond that, Summit was great counsel to us as we sought long-term care insurance.

Randy L., Bank Executive

Life Insurance