Why us?
SFS has researched the world’s best insurance-based solutions for estate planning and asset protection.
Collaborative planning
- Strategy Development
- Cost/Benefit Analysis
- Solution Vetting
- Recommendation
Our planning process is comprehensive in order to ensure all solutions are suitable to your needs. Our professional and experienced representatives work closely with you through the planning process. This ensures all parties understand the purpose of the planning and how the solution meets the identified objectives.
Our role doesn’t end once the solution is implemented. SFS’s plan monitoring and client service” programs ensure appropriate modifications are made to adapt to your circumstances over time.
Solution development
Needs Assessment
- Needs & Objectives
- Situational Analysis
- Prioritization of Goals
Plan Implementation
- Plan Logistics
- Pricing Negotiations on client’s behalf
- Document Completion
Discovery & Fact Finding
- Family Structure
- Citizenship & Residency
- Assets & Liabilities
- Existing Plans & Structures
Monitoring & Service
- Plan Performance Review
- Objective Modifications (as necessary due to life changes)
- Plan Amendments (as needed)
Persons Involved
Policy holder: The policy holder is the owner of the contract and controls the policy. he has the right to select the investment strategy, appoint the beneficiaries, surrender the policy and make changes to the policy. Policy holder can be a private individual, a company or legal structure like a trust or foundation.
Person insured: The term of the policy is linked to this person’s life. When the person insured dies, the contract normally comes to an end. The person insured must by definition be a private individual. It is possible to have two persons insured in a contract ( joint-insured).
Beneficiary/ies: he/they receive the payout at death of the person insured. The beneficiary/ies can be one or several private individuals, but, also a company or legal structure like a trust or foundation.
Arbiter: he is a third party (private individual or company) who is given specific rights. Typically, an attorney or a trustee could act as the arbiter in a policy.