Estate Freeze + Life Insurance: A Smart Tax Strategy

Business owners face huge estate taxes if their company grows in value. Without planning, your family could owe millions upon your passing.

The Problem

A business worth $5 million today could grow to $16 million in 20 years. Upon death, the tax bill could be $4 million—forcing heirs to sell assets just to pay taxes.

The Estate Freeze Solution

An estate freeze locks in today’s value so only $5 million is taxable, rather than future growth. This cuts taxes significantly:

Tax without freeze: $4,008,994
Tax with freeze: $1,250,000
Savings: $2,758,994

The Final Step: Life Insurance

Even after a freeze, taxes are still owed. A $1.25 million life insurance policy ensures liquidity, preventing financial stress on your family.

Who Should Consider This?

Business owners with a company worth $1M+ who want to reduce taxes and protect their heirs.

If you want to ensure a smooth transition for your business and family, let’s talk.