HELPING YOU PRESERVE YOUR WEALTH…

ONE GENERATION TO THE NEXT

Innovative Life Insurance Solutions For
High Net Worth Families & Their Advisors

Tax legislation, market volatility, and changing financial circumstances can have a material impact on wealth creation and preservation. Jones Lowry helps you and your advisors protect and preserve your wealth by asking the right questions, presenting choices, and creating financial strategies that help chart a course for you, your family, your business, and future generations.

Jones Lowry is an independently-owned life insurance planning firm with 40 years of experience designing, implementing and servicing large-block life insurance portfolios for people like you — dynastic families, business owners, private investors and corporate executives. We do this both domestically and internationally with a particular emphasis on multi-generational service.

Goal Based Solutions Customized to Your Situation

REDUCING ESTATE, GIFT AND INCOME TAXES

PASSING A LEGACY TO HEIRS OR CHARITIES

ACCUMULATING ASSETS IN A TAX- EFFICIENT MANNER

PROTECTING AGAINST LITIGATION AND CREDITORS

 Unlocking the Mystery Behind Increases in Costs of Insurance

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True Peer to Peer Relationships

Our business model is set up to service clients and trusts with sophisticated planning needs and high net worth. Due to the complex nature of these plans, we work closely with clients’ legal, accounting and investment advisors during each step of the planning process. At the same time, we serve as an independent technical resource, working behind the scenes to assist advisors with their client’s insurance planning needs as well as providing continuing education in the form of Private Briefings

How are we different
from other insurance firms?

In our experience, life insurance sold by other agents may underperform because it is poorly designed, oversold, and underserviced. We believe you deserve better. Here’s what we offer:

1

VALUE-ADDED PLANNING FOR ULTRA HIGH NET WORTH CLIENTS. We lead with customized planning and our clients define the terms of the engagement. Typically, our clients’ advisors invite us to help them determine whether and how to use life insurance as part of the client’s overall plan. Because of the sophistication of these plans, our planning team includes highly credentialed and experienced professionals, including independent insurance attorneys, actuaries, MBAs and CFPs®.

2

MULTI-GENERATIONAL PERSONALIZED SERVICE. Jones Lowry maintains a team of case managers and policy service specialists dedicated to providing high quality care for the life of your policy, for this generation and the next.

3

SPECIALIZATION IN ULTRA HIGH NET WORTH INSURANCE.
As a Member Firm and Co-Owner of M Financial Group, one of the nation’s top independent insurance buying consortiums, Jones Lowry has preferred access to many of the highest-rated insurance companies in the marketplace, and exclusive access to insurance products specially designed for high net worth and international clients.

Why is Specialization Important?

The complex financial needs of ultra-high net worth clients demand highly customized and sophisticated planning solutions. At the same time, the behavior patterns of the affluent enable insurance companies specializing in this market to offer products that are more favorably priced.

Longevity

The affluent tend to live longer than the average American. As a result, mortality charges are lower which, in turn, lowers the cost of insurance.

Longevity

The affluent tend to live longer than the average American. As a result, mortality charges are lower which, in turn, lowers the cost of insurance.

A Professional Process

Based on your precise financial objectives, Jones Lowry uses a disciplined professional approach with clear financial objectives. This process involves working closely with you and your other advisors to identify issues, review alternatives, recommend solutions, and manage implementation and policy administration with meticulous attention. Our strategic approach to helping you enhance and preserve your wealth revolves around the following steps.