PRIVATE CLIENT INSURANCE ADVISORS, LLC

FERNANDO E. REATEGUI
MANAGING DIRECTOR

201 S. BISCAYNE BOULEVARD
34TH FLOOR, MIAMI, FL 33131

TELEPHONE: 305 / 401 5974
FAX: 305 / 433 8267

FER@BROKERSINSURE.COM
 
 
 
 
   
Benefits of Insurance Planning with PCIA, LLC

Professional expertise
Our experienced Insurance Advisors work in tandem with the clients’ advisors to understand their needs and objectives with the idea of better integrating the client’s entire financial picture.
 
Careful product recommendation
Insurance carriers are carefully evaluated in order to meet our strict criteria for financial stability and service quality.
Our philosophy is to make available alternative solutions that can be tailored to fit the client’s particular circumstances.
 
Confidentiality and convenience
Fulfilling the integrity of our Private Banking values, our Insurance Advisors have the highest regard for the clients’ desire for total discretion and the quality solutions and continuity they deserve.
 
We strictly follow solicitation rules and guidelines
We work to complement the Clients’ Private Bank’s financial and fiduciary strategies. We put every case through a rigorous evaluation process, looking for potential medical, financial and capacity issues up-front, which enables us to secure the best underwriting offer available for the clients.
We have access to top quality U.S. and International carriers with high jumbo retention limits that have products available for Non-U.S. persons.
 
Our Product Offerings:
Traditional, mortality driven insurance products issued by U.S. carriers.
These policies are typically less expensive that those issued by International carriers and offer higher reinsurance capacity and retention limits, having issued up to $ 65 MM on a single life on a credit related transaction.
We use insurance to cover  our clients’ risks, not as an investment product.
To address any potential U.S. withholding tax concerns of using U.S. issued products to Non-U.S. persons, universal life policies are funded in a way that minimizes gains.
 
Traditional, mortality driven insurance products issued by International carriers.
These policies are usually more expensive than similar U.S. issued policies and offer lower capacity and retention limits, usually topping out at $ 25 MM.

   
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