Tax-Efficient Life Insurance & Legacy Planning
Protect Your Family. Build Tax-Free Legacy Wealth.
Avalon Legacy Group is a life insurance agency specializing in tax-free wealth transfer, lifetime retirement income, and strategic cash value life insurance planning for families, federal employees, and business owners.
Serving individuals, families, federal employees, and business owners.
Our Services
Strategic Life Insurance Planning for Every Life Stage
We use properly structured life insurance strategies to help you move money from taxable and tax-deferred buckets into tax-advantaged, protected positions—without losing control of your cash.
Tax-Free Wealth Transfer
Design life insurance strategies that pass assets to the next generation income-tax free, while providing liquidity to cover estate needs and protect family wealth.
- Minimize taxes on legacy assets
- Replace lost income and protect heirs
- Coordinate with estate and trust planning
Federal Employee Retirement Planning
Specialized guidance for FERS and CSRS employees to coordinate pensions, TSP, survivor benefits, FEGLI decisions, and supplemental life insurance strategies.
- FERS / CSRS pension optimization
- TSP distribution and tax strategy
- Life insurance to protect survivor income
Retirement Income & Protection Planning
Blend life insurance with other retirement assets to create predictable income, mitigate sequence-of-returns risk, and protect surviving spouses and heirs.
- Tax-efficient retirement income streams
- Protection for surviving spouse and heirs
- Coordinated Social Security & pension planning
Infinite Banking Concept
Use properly structured cash value life insurance as your own private financing system—without giving up the death benefit protection your family needs.
- Access cash value on your terms
- Keep dollars working while you use them
- Align banking strategy with long-term legacy goals
Debt Elimination Using Cash Value Life Insurance
Restructure how you pay off high-interest debt by routing payments through a properly designed cash value life insurance policy, so your dollars can work in more than one place.
- Eliminate consumer and business debt more efficiently
- Build an asset as you pay off liabilities
- Increase future cash flow and protection
Tax-Free Wealth Transfer
Move Wealth, Not Tax Bills, to the Next Generation
Properly structured life insurance can deliver income-tax-free death benefits and help offset estate taxes, equalize inheritances, and protect business and real estate transfers.
- Use life insurance to replace wealth lost to taxes or charitable giving
- Fund legacy trusts and special needs planning with predictable dollars
- Equalize inheritances when some heirs receive illiquid assets
- Create tax-free liquidity to settle estates quickly and privately
Outcome: more of what you’ve built lands with the people and causes you care about—on your terms, in a tax-efficient way.
We collaborate with your CPA and attorney when needed to integrate life insurance into your broader estate and tax strategy.
Retirement Income & Federal Benefits
Optimize retirement income—including for federal employees—so your money lasts as long as you do.
We help you coordinate Social Security, pensions, federal benefits, and tax-efficient life insurance strategies to create retirement income that is resilient in different market and tax environments.
Retirement Planning
- Create diversified retirement income streams that are not all taxable at the same rate.
- Use cash value life insurance to provide flexibility around when you tap retirement accounts.
- Coordinate life insurance with Roth, IRA, and employer plans for long-term efficiency.
Federal Employee Retirement
We help federal employees understand and optimize:
- FERS, CSRS, and Thrift Savings Plan (TSP) options
- Survivor benefits and FEGLI life insurance decisions
- How private life insurance can complement federal benefits
Our specialized federal employee reviews show you how to coordinate benefits with outside strategies for a more predictable retirement.
Life Insurance for Every Strategy
Term, Whole Life & Indexed Universal Life (IUL)
We are product-agnostic and strategy-first. We recommend term, whole life, or IUL only after we understand your goals, risk tolerance, and cash flow requirements.
Term Life Insurance
Maximum death benefit for the lowest initial cost—ideal for income replacement, mortgage protection, and covering large temporary obligations.
- Budget-friendly coverage for families
- Layered term strategies for changing needs
- Conversion options into permanent coverage
Whole Life Insurance
Guaranteed death benefit protection with stable cash value growth that can support infinite banking, debt strategies, and long-term legacy planning.
- Guaranteed premiums and benefits
- Stable, non-correlated cash value growth
- Ideal foundation for generational planning
Indexed Universal Life (IUL)
Flexible premiums and death benefit with cash value growth tied to market indexes—designed for supplemental retirement income and long-term tax-advantaged accumulation.
- Upside potential with downside protection
- Tax-advantaged income strategies
- Customizable designs for specific goals
Infinite Banking Concept
How Infinite Banking Works
Infinite Banking uses specially designed life insurance to give you both protection and a powerful savings tool, letting your money work for you throughout your life.
By building cash value inside your policy, you can borrow against it for needs like investments, opportunities, or emergencies—without interrupting growth.
Typical users utilize Infinite Banking to finance home purchases, business growth, education, or as a retirement supplement while maintaining control of their money.
Control of cash flow
Tax-advantaged growth
Access to liquidity
Legacy planning
We can also coordinate with financial aid professionals to help position your student for the best possible outcome.
Late-Stage College Planning with Cash Value Life Insurance
Protect Retirement While Funding College
For families close to or already in the college years, cash value life insurance can be a powerful tool to help manage financial aid, protect retirement savings, and create flexible funding options.
- Understand how assets and income impact FAFSA and aid formulas
- Use cash value as a strategic funding and timing tool
- Avoid over-withdrawing from retirement accounts for tuition
- Coordinate college planning with long-term legacy goals
We’ll help you compare student loans, 529 plans, and cash value strategies so you can choose a path that protects both your student’s future and your own.
Debt elimination using cash value life insurance.
With the right structure, policy cash value can be used to systematically pay down high-interest debt and recapture interest you would otherwise send to banks—without derailing long-term protection or retirement goals.
- Create a structured payoff plan using policy loans
- Compare loan rates vs. existing debt terms
- Avoid overleveraging or underfunding your policy
- Stay aligned with long-term wealth and protection goals
Life Insurance for Business Owners
Protect the Business You Built and the Family Behind It
We help closely-held and family businesses use life insurance to solve for key-person risk, buy-sell agreements, executive benefits, and blended business/personal planning.
Key Person Insurance
Protect your company from the financial impact of losing a key owner or executive, and provide runway for recruiting and transition.
Buy-Sell Funding
Fund shareholder or partnership buy-sell agreements with life insurance so that ownership transitions can be orderly and fair to all parties.
Executive & Exit Planning
Design life-insurance-based executive compensation, golden handcuffs, and exit strategies that sync your business value with your retirement and legacy goals.
Our Holistic Process
From First Conversation to Ongoing Plan Review
We don’t lead with products. We begin with a deep understanding of your family, business, and life goals, then design and maintain a plan that can adapt as your story unfolds.
1. Initial Consultation
We clarify your current financial picture, goals, time horizons, and concerns. We review existing policies and other assets so we’re building on what you already have.
2. Design & Implementation
We model different scenarios, then design multiple strategies using Whole Life policies with a Mutual Insurance Carriers.
3. Ongoing Plan Review
Life changes. We schedule regular reviews to monitor performance, adjust funding, and ensure your strategy still aligns with your family, career, and business.
Schedule Your Consultation
Book a Call with Avalon Legacy Group
Choose a time that works for you and we’ll walk through your goals, current strategies, and where strategic life insurance planning can create more protection and flexibility.
Call an advisor
Speak directly with a licensed advisor about coverage options and next steps.
Phone: (239) 271-3855
Hours: Mon–Fri, 9am–5pm
Email our team
Send us your questions or documents securely and we’ll respond with clear next steps.
Email: [email protected]
What to Expect on Our Call
A 20–40 minute conversation focused on your goals
Plain explanations—no jargon or pressure
Clarity on whether we’re a good fit to work together
Whether you’re just getting started or already have policies in place, we’ll help you see how life insurance can support a more tax-efficient, flexible future.
