Jeryl Hartt Insurance Consultant

Your heirs could lose a big part of their inheritance due to taxes.

The anticipated changes to the federal estate and gift tax laws reach beyond the pocketbooks of the affluent and into those of middle-class Americans. The Senate proposes to reduce the estate and gift tax exemption from $11.7 million to $3.5 million.

And, there’s talk of taxing unrealized capital gains. Knowing that the estate tax is levied on property transferred to heirs at death, such as real estate, stocks, cash and other assets, think of the tax implications for adult children who inherit a parent’s home.

I can help.

Let’s discuss how insurance and annuities can help you diversify and gain tax efficiencies to protect your income, investments and legacy assets.

May the One who is the Prince of Peace bless you and your family in the coming year.

This holiday season talk with your parents about the need for a plan that provides peace of mind.

While Life Insurance is not long-term care insurance, it can help cover the cost of care if your parent should develop a chronic or terminal illness.

Hartt Insurance features a policy providing a lifetime guaranteed death benefit, chronic illness protection — for no additional cost, and a penalty-free return of premium. It’s available for issue to age 85.