Estate Tax Planning - creating liquidity at the time estate taxes are due to avoid the forced sale of assets.

Inheritance Equalization - fund specific inheritances to heirs otherwise not easily divisible.

Business Continuity - protect the business from the loss of a key person and/or fund a buy-sell plan amongst shareholders.

Hedging Tool - using insurance to hedge other estate planning strategies that require time to be fully realized.

Asset and Tax Diversification - using insurance as a guaranteed, tax free fixed-income investment within a family's intergenerational asset allocation.

Philanthropy - maximizing the effectiveness for funding charitable bequests.