Life Insurance &
Wealth Protection
Secure your family's future and fund business transition agreements with life insurance solutions tailored for Florida.
Florida
Statewide licensed programs
Fiduciary Advisory
Tax-optimized policy structuring
Asset Protection
Florida offers unique statutory protections that safeguard life insurance cash value from creditors.
Tax Advantages
Benefit from tax-free death benefits and tax-deferred growth on policy cash values.
Estate Planning
Properly structured policies bypass probate, providing immediate cash flow for heirs and tax liabilities.
Aligning your coverage with your Florida tax and estate plan.
Life insurance isn't just about protection; it's a powerful wealth-preservation vehicle. In Florida, specific statutory provisions offer incredible creditor protections for policy cash values.
Our team doesn't just sell policies. We analyze how your insurance matches your corporate buy-sell agreements, estate tax limits, and succession strategy, ensuring you have the right structures in place.
CPA-Guided Policy Selection
We analyze policy fee structures, premium growth metrics, and tax consequences before recommending plans.
Florida Statutory Protections
Maximize your asset protection utilizing Florida's favorable statutes regarding insurance and annuity cash values.
Business Agreement Funding
Integrate key person policies and cross-purchase agreement structures to protect corporate ownership continuity.
Structured life insurance solutions
designed for wealth preservation.
Personal & Family Plans
Securing families and generational transfers
Corporate & Business Plans
Ensuring business continuity and protection
Key Person Life Insurance
Protect the business from cash flow and credit disruptions if a critical executive passes.
Buy-Sell Agreement Funding
Provide the necessary liquidity to purchase shares from a deceased partner's estate.
Executive Bonus Plans (Sec. 162)
Reward and retain top-tier talent with tax-advantaged cash-value accumulation benefits.
Nonqualified Deferred Comp Funding
Informally fund executive retirement obligations utilizing corporate-owned policies.
Have multiple owners? We configure cross-purchase and entity-purchase structures to guarantee corporate stability.
Securing Florida
families and businesses
Dependable Accounting Partner
REF Accounting has helped us stay organized and focused on growth. Their accounting support keeps our records updated, accurate, and ready whenever we need financial information.
Professional Team Every Time
Their accounting professionals provide excellent support and always respond quickly when questions arise.
Highly Reliable
Outsourcing our accounting functions to REF Accounting improved efficiency across our company. Their reports are clear, accurate, and delivered on schedule, helping us make better business decisions throughout the year.
Excellent Financial Support
Their team handles our accounting responsibilities professionally and allows us to focus more attention on serving our customers.
Excellent Service
The team helped organize our taxes and explained everything clearly. The process was smooth and stress-free.
Great Tax Guidance
REF Accounting helped us identify tax-saving opportunities we had overlooked. Their advice improved our planning and reduced unnecessary tax expenses significantly.
Highly Recommended
Their team responds quickly, answers questions clearly, and keeps our business tax filings organized throughout the year.
Reliable Financial Partner
We have worked with REF Accounting for several years and appreciate their knowledge, professionalism, and commitment to helping our company remain compliant while improving overall tax planning.
Coordinate your life insurance planning.
Have questions about asset protection under Florida Statutes, key person policies, or buy-sell agreement funding? Submit details below to coordinate a consultation.
Request a Policy Consultation
Florida licensed team will review your case within 24 hours.
Florida wealth preservation
Ready to safeguard your
family and business?
Coordinate a professional, CPA-led review of your insurance coverage and corporate transition documents.