SilverPine LEGACY Insurance Solutions
Protect Your Wealth. Build Your Legacy.
WEALTH / PROTECTION / LEGACY
Our Vision
At SilverPine Legacy Insurance Solutions, we help individuals, families, and business owners protect what matters most—while building guaranteed, long-term wealth through strategic life insurance planning.
Whether you need foundational family coverage or advanced tax-efficient strategies, we provide clarity, confidence, and personalized guidance every step of the way.
Clarity Over Complexity I Guaranteed Solutions I Personalized Guidance I Legacy-Driven Approach
Life Insurance Solutions We Provide
Plans and Strategies tailored to your goals and stage of life
Whole Life Insurance
Guaranteed protection, stable cash value accumulation, and long-term financial strength
Term Life Insurance
Straightforward and affordable protection for family and business needs
Final Expense Coverage
Reliable plans that reduce financial burden during life’s most difficult moments
Estate & Legacy Planning
Life insurance solutions that efficiently transfer wealth and preserve generational stability
Key Person Insurance
Protect your business against the impact of losing essential leadership or talent
Buy–Sell Agreement Funding
Life insurance-backed arrangements ensuring seamless and fully funded ownership transitions
Fixed Annuities
Market-free, guaranteed growth and stable retirement income
412(e)(3) Defined Benefit Plans
Advanced IRS-approved plans that allow high-income earners to turn taxable income into guaranteed retirement and legacy assets
Business Owner Protection & Tax-Efficient Planning
Help reduce taxable liabilities and redirect income toward long-term, guaranteed wealth
Advanced Planning for Qualified Clients
If you are a high-income earner or business owner, you may qualify for advanced, IRS-approved strategies that significantly reduce taxable income while building guaranteed wealth.
The most powerful of these is the 412(e)(3) Defined Benefit Plan.
Turn Tax Liabilities Into Guaranteed Wealth
A 412(e)(3) plan is a fully guaranteed defined benefit plan funded exclusively with:
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Whole life insurance
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Fixed annuities
Unlike traditional defined benefit plans, a 412(e)(3) is supported by contracts that cannot lose value—making it ideal for:
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Business owners
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1099 professionals
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Medical, legal, and financial professionals
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High W-2 earners with consistent income
Why Clients Choose a 412(e)(3):
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Much higher deduction limits than 401(k)s, SEPs, or Cash Balance Plans
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Guaranteed accumulation — no market volatility
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Accelerated retirement funding
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Significant annual tax savings
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Strong asset protection benefits
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Predictable outcomes backed by the IRS code
OUR PROCESS
1. Consultation & Goal Setting
We learn about your personal, family, and business objectives.
2. Customized Plan Design
For advanced cases, we work with actuarial specialists to build your optimal strategy.
3. Carrier Illustration Review
We walk you through guaranteed projections and plan structure.
4. Underwriting & Documentation
We streamline the process and guide you through every step.
5. Plan Adoption & Funding
For 412(e)(3) clients, contributions begin once the plan is approved.
6. Ongoing Support
Your strategy evolves as your goals grow.
