For high-net-worth individuals, effective estate planning presents some unique challenges — especially when it comes to finding a life insurance policy that will adequately replace your income. Traditional life insurance policies usually have significantly higher premiums for the amount of coverage high earners need. This is why Louis John Stanzione at Fairfield Green Enterprises, a wealth management specialist based in Summit, NJ, offers other options that will increase the value of your estate at no expense to you.

Louis John Stanzione provides a unique opportunity, in which a high-net-worth life insurance policy is used as an informal funding instrument for further investments — meaning you won't be required to pay a deposit or monthly premiums. Instead, you'll be asked to put forth a certain amount of collateral that will be used to fund the investment. Once the fund has paid for itself, your collateral will be returned to you, sometimes in as little as six years.

The low-cost short-term funding, combined with the predictable rate of growth and high cash value of the policy, make these life insurance options very attractive for high earners. This is ideal for those who wish to leverage their wealth to provide even greater benefits to their family members after they're gone. Many of the nation's highest-earning individuals have already taken advantage of these policies, which are tailored to their specific needs.

Louis John Stanzione at Fairfield Green Enterprises has built his reputation on providing expert guidance through a wide range of financial situations. Whether you're considering an annuity or are interested in maximizing the value of your estate for your loved ones, he will be happy to guide you toward the investments best suited to your needs. Visit Louis John Stanzione at Fairfield Green Enterprises online to see his full list of specialized services, or call (908) 277-2603 to schedule an appointment with a financial adviser today.