Klazmer Financial Group

For over 50 years, Klazmer Financial Group has been committed to providing effective estate planning, creating sensible insurance solutions and safeguarding the financial future of our clients, their families and their businesses. As we approach our third generation, our family has earned and maintained a reputation for honesty, integrity and reliability. By placing the needs of our clients first and taking the time to truly understand their goals, we are able to create the types of legacies that reflect our clients’ values and desires.

We are very proud of our reputation for negotiating favorable underwriting offers and improving our clients' insurance portfolios. Take a look at some examples of our recent underwriting successes:

A 64-year-old woman had a $1,500,000 universal life policy, originally projected to age 100. Due to reduced interest rates, her policy was projected to lapse at age 87. We successfully underwrote a new policy with a top-rated mutual carrier that provides coverage through age 100, with no further premium payments.

A husband and wife, ages 63 and 61 respectively, had a $2,000,000 survivorship whole life policy with a projected outlay of $18,000 per year over the following four years. Despite the husband’s unfavorable medical history, which included Crohn's disease and type 2 diabetes, we were able to secure a new $1,000,000 universal life policy with guaranteed coverage for life, at reduced rates and no additional cost. Total premium savings of $72,000.

We were recently introduced to a 71 year-old gentleman whose portfolio consisted of thirteen life insurance policies with a net death benefit of $1,300,000. He had outstanding policy loans of approximately $500,000, ongoing interest payments of $30,000 and a history of heart disease. We were able to eliminate his policy loans, acquire a new $1,300,000 Universal Life policy, guaranteed to age 98, with no premium payments. Total annual savings of $30,000 per year for life.

Gary Klazmer (CA Ins. Lic. # 0B88631) and Brian Klazmer are agents collectively licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent, unaffiliated companies in the states of AZ, CA, CT, DC, DE, FL, GA, IL, IN, KY, MA, MD, ME, MO, MT, NH, NJ, NM, NY, OH, PA, TN, TX, SC & VA.  No insurance business may be conducted outside these states referenced.

Gary Klazmer and Brian Klazmer are Registered Representatives of and collectively offer securities products and services through NYLIFE Securities LLC, Member FINRA/SIPC, a licensed insurance agency.  In this regard, this communication is strictly intended for individuals residing in the states of AZ, CA, DE, FL, MA, MD, MO, NJ, NY, PA, TX, VA & WA.  No offers may be made or accepted from any resident outside the specific states referenced.

Klazmer Financial Group is not owned or operated by the NYLIFE Securities LLC, or its affiliates.

Gary and Brian Klazmer are also separately registered as investment adviser representatives, under Eagle Strategies LLC, a Registered Investment Adviser collectively offering advisory services in the states of AZ, CA, DE, FL, MA, MD, MO, NJ, NY, PA, TX, VA & WA.  As such, these services are strictly intended for individuals residing in AZ, CA, DE, FL, MA, MD, MO, NJ, NY, PA, TX, VA & WA.

Neither Klazmer Financial Group, its employees nor NYLIFE Securities LLC or its representatives render tax, legal or accounting advice.  Please consult your professional advisors.

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