SPECIALIZED INSURANCE

Sophisticated, customized solutions for complex needs.

Wealth transfer strategies and non-qualified executive benefits are some of the most complex—yet potentially rewarding—financial challenges facing wealthy individuals and successful executives. Through Wachovia Insurance Services, we can offer you innovative, highly personalized insurance strategies that can protect and maximize your estate and enhance your compensation.

Wachovia Insurance Services has extensive experience serving both closely-held and public companies, often serving founders or senior executives who have been instrumental in building their businesses. These clients benefit from exceptional levels of service and a relationship approach that is the equal of Wachovia Wealth Management.

Non-Qualified Executive Benefits

We can help your company attract and retain talented executives in a competitive marketplace by ensuring that they are fairly compensated during and after their careers. Wachovia Insurance Services has a broad base of experience in:

• Providing post-retirement income or death benefits for key executives.
• Managing corporate liabilities involving the death or retirement of a principal.
• Reversing the discrimination inherent in typical company-wide disability and retirement plans.

Wealth Transfer Planning

Through Wachovia Insurance Services, we help our clients use life insurance effectively, as part of an integrated estate plan, to fund estate taxes or to provide a liquid asset for heirs of an illiquid estate—a particular concern when estate taxes threaten the forced liquidation of a business. Each solution is tailored to the needs of the particular estate plan, resulting in a precisely structured liquidity or asset replacement strategy on a deeply discounted basis.

Life Insurance and Benefits Design

Wachovia Insurance Services offers unique strengths in corporate life insurance and benefit programs, including a range of innovative products developed specifically for high-net-worth clients and corporate executives. These proprietary products are designed to provide specialized benefits, such as significant death benefits to fund estate transfer taxes or smaller death benefits and high internal cash values that can be used to supplement retirement savings.

Services from Wachovia Wealth Management may not be available in all states.

Life insurance products and annuities may involve investment risk and the possible loss of value.



Insurance products are offered through Wachovia Insurance Services, Inc., a licensed insurance agency and affiliate of Wachovia Bank, National Association. Barry, Evans, Josephs & Snipes, Inc., is a wholly-owned subsidiary of Wachovia Bank, N.A.

Wealth Management Customer Service