Personal & Family Protection
Personal & Family Protection | Safeguarding What You Love, Planning for the Future
An advanced plan serves as a protective umbrella for your family. BOI integrates life insurance protection and annuity services to build a solid risk defence and plan your financial future, allowing your loved ones to remain free from worries.
Wealth Accumulation Planning
Explore annuity products to easily start your retirement plan, transforming premium payments into future security and confidently achieving your ideal retirement lifestyle.
Comprehensive Risk Management
Utilize term life insurance with high leverage to protect your fast-growing periods, locking in high insurance coverage to shield your family against unknown risks.
Wealth Appreciation Services
Flexible capital appreciation solutions linked to the market, combining index returns with flexible premium payments, allowing your protection and gains to grow synchronously.
Asset Inheritance Planning
Efficient and effective inheritance solutions to properly preserve wealth, allowing your business and love to continue within the family.
A Commitment to Safeguard the Future
When you become the pillar of your family, protection is no longer just a contract, but a commitment to your loved ones. Based on your stage of life and family needs, we customize exclusive protection solutions, utilizing today's planning to safeguard tomorrow's peaceful life.
Schedule an appointment with a BOI advisor to receive your exclusive protection advice.
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What are the main types of US life insurance?
It is mainly divided into term life insurance and permanent life insurance. Permanent life insurance further includes whole life insurance and indexed universal life insurance, among others. Their main differences lie in the coverage period, whether they accumulate cash value, and the variations in investment methods.
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What documents do foreign nationals need to buy U.S. life insurance?
Typically, you need to provide a copy of your passport and visa, an application form, etc. If the coverage amount is high, you may also need to provide medical records, complete a medical examination in the United States, and provide proof of financial assets.
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Do insurance death benefits require tax payments?
Life insurance death benefits are exempt from federal income tax. If the policyholder is a foreigner, the death benefit is also exempt from US estate tax. However, if the policyholder is a US person, estate tax considerations will need to be taken into account. (*please note your personal circumstances may not be applicable here and requires individual planning)