NeJame Financial Designs & Insurance Services, Inc.

• Mr. NeJame shops the market for Permanent and/or Term life insurance. In nine out of ten cases, the exact amount of your present life insurance policy can be replaced at a lower cost! And there is no downside to shopping for such a lower cost!

• As an independent agent, Mr. NeJame also shops the insurance market for "Long Term Care" and/or "Disability" coverage, either for business or personal needs.

• Does your business have retained earnings and/or significant income tax liability? One of the functions of the business plans Mr. NeJame designs is to reposition, into a retirement account, many of the dollars that would otherwise go to Uncle Sam as income tax.

• Advice is provided for an Estate Plan, with attorney approval, for people of significant wealth: Net assets of $2+ million for a single person; $4+ million for a married couple.
Note: The face amount of all life insurance owned by the insured may be included in that person's Estate for Federal Estate Tax liability.

• Do you already have an Estate Plan in place? Does it need to be updated? Do you wish a second attorney's opinion on your plan, in writing, and at no charge or obligation?

• George NeJame has dedicated significant resources to shopping the market for Employee Benefits, including:
• Life Insurance
• Company Contributory and Non-Contributory 401k Plans
• Medical Coverage
• And Much More ...

• Sound advice and cost-effective funding is provided for a Business Continuation or Buy/Sell Agreement which protects ownership if there is a premature death or disability of one of the principals.

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