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Insurance for Estate Planning

Dream big, rest easy

Successful financial estate planning1 requires a lot of imagination. You have to envision a range of scenarios to make sure you are prepared for the day your estate must work on your behalf. At the same time, you want to concentrate on living well today. The good news is the right insurance coverage lets you imagine greater goals for your estate. You can enjoy your retirement while knowing you will provide for the people you leave behind.

The road to preservation
A new $5 million applicable exclusion amount (AEA) is now in place for 2011 and 2012 and optionally retroactive for 2010 as well. The top transfer tax rate is reduced to 35% due to the new tax law. These increased AEA’s and reduced rates pertain only through year end 2012.

Life insurance2, when structured properly, can provide for the liquidity needed to bear the tax liability of an estate, while also helping to reduce the size of the estate in the interim.

Insurance solutions from SunTrust Investment Services, Inc. can help you meet a range of other financial estate planning goals:

  • Preserve your retirement savings
  • Provide ongoing financial support to protect your family’s standard of living
  • Fund a charitable organization or cause that is important to you
  • Help a family member save for education or meet other financial goals
  • Pay your debts and taxes, including estate taxes
  • Equalize the inheritance you leave for two or more people you care about
  • Cover healthcare costs for you or your family members

A SunTrust advisor can help you determine your best option from various insurance strategies, such as disability income insurance, long-term care insurance, term life insurance and permanent life insurance. Our advisors can also work with you and your attorney to develop an effective estate tax plan.

Disclaimers

1SunTrust Bank and its affiliates and the directors, officers, employees and agents of SunTrust Bank and its affiliates (collectively, “SunTrust”) are not permitted to give legal or tax advice. While SunTrust can assist clients in the areas of estate and financial planning, only an attorney can draft legal documents, provide legal services and give legal advice. Clients of SunTrust should consult with their legal and tax advisors prior to entering into any financial transaction or estate plan. Because it cannot provide legal services or give legal advice, SunTrust’s services or advice relating to “estate planning” or “wealth transfer planning” are limited to (i) financial planning, multigenerational wealth planning, investment strategy, (ii) management of trust assets, investment management and trust administration, and (iii) working with the client’s legal and tax advisors in the implementation of an estate plan.

2Insurance products and services are offered through SunTrust Investment Services, Inc., a licensed insurance agency.

Insurance products and services are not insured by the FDIC or any other federal government agency, are not a deposit of the bank or guaranteed by the bank, may lose value, and are not a condition to any banking service or activity.

Contact Us

To speak with a Private Wealth Management advisor:

  • 866.495.5416

Securities, Investment and Insurance Products and Services:

  • Are Not FDIC or any other Government Agency Insured
  • Are Not Bank Guaranteed
  • May Lose Value

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Services provided by the following affiliates of SunTrust Banks, Inc.: Banking and trust products, including investment advisory products and services, are provided by SunTrust Bank, member FDIC; securities, insurance (including annuities), and other investment products and services are provided by SunTrust Investment Services, Inc., an SEC registered broker/dealer and a member of the FINRA and SIPC, and a licensed insurance agency; investment advisory products and services are offered by SunTrust Investment Services, Inc. and Ridgeworth Capital Management, Inc.; mortgage products and services are provided by SunTrust Mortgage, Inc.

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SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.