Julia
Turning investment returns into family protection through IUL
Services Provided
Insurance Solutions
Succession Planning
Client Background
Julia is a successful entrepreneur and mother of two children in middle school. They live in the UK. Having partially exited her business, she now allocates her wealth into an investment portfolio that generates steady, predictable annual returns.
Client’s Goals
As the bread earner of her family, Julia is concerned that her family is very reliant on any unexpected or loss of income could disrupt her family’s quality of life and children’s education. She wants to complement her steady investment strategy with a financial safety net for her family.
Our Tailored Solutions
An Indexed Universal Life (IUL) policy was recommended to Julia. Through a multi-pay arrangement, Julia funds the policy premiums with a portion of annual returns from her current investment portfolio. Julia is the insured, with her children named as beneficiaries.
Oakcean carefully compared multiple brokerage and insurance partners, reviewing underwriting terms, cost structures and jurisdictional factors to select the provider that best fits Julia’s long-term goals.
Outcome
Julia is reassured having arranged life insurance protection for her family and continues to benefit from investment returns.
The policy ensures her family’s financial stability and lifestyle.
Upon claim, the insurance proceeds are paid directly to her beneficiaries, bypassing complex probate procedures.
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