Group Life Insurance, Reimagined
A practical guide to group life insurance, how employer-sponsored coverage works, who it's designed for, and how it compares to individual policies.
Our Industry Partners
Our Solutions
Maximizing wealth through
innovative solutions
We specialize in creating tailored solutions that reduce taxation, enable tax-free investments with compounding growth, enhance living benefits, provide asset protection from creditors, and maximize your financial security.
Private placement life insurance
Sky Gem Solutions PPLI is structured to provide tax-deferred growth on the cash value, just like a traditional whole life insurance policy. The investment gains inside the policy grow without being taxed annually, allowing for compounding growth over time. Upon the policyholder's death, the death benefit is paid out to beneficiaries income tax-free.
Child legacy plan
Our Child Legacy Plan is designed for families with children under 8. This plan leverages an Indexed Universal Life policy to buy million dollar policies with very little capital by understanding when to fund your child's future. Use the funds for major life events like college, weddings, or buying a first home.
Premium financing
Premium finance life insurance allows high net worth individuals to use borrowed funds to pay premiums, preserving their capital for other investments. This strategy that only requires 10% down payment from policy holders, on loan capital to fund the recurring premiums and offers liquidity, tax efficiency, and significant estate planning advantages.
About Us
Why Sky Gem Solutions?
For over 30 years, we have been dedicated to empowering individuals through sophisticated wealth management and insurance planning, challenging conventional methods to deliver exceptional results.
Our approach combines deep industry expertise with innovative strategies, ensuring that every solution is tailored to meet the unique goals of our clients. By fostering long-term relationships built on trust, transparency, and performance, we help individuals, families, and businesses secure their financial future with confidence.
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Featured articles
Employer-Owned Guaranteed Issue Life Insurance Attraction, Retention & Capital Strategy
Company ABC needed a benefit that would attract and retain highly skilled employees without permanently increasing payroll, while also creating long‑term corporate value. Traditional benefits created ongoing expense but no balance‑sheet asset and did not meaningfully differentiate the employer in a competitive labor market. In addition, traditional underwriting created participation and equity challenges for employees with medical history.
Why the Child Legacy Plan is a Game-Changer for Your Family
Hey there, parents! Have you ever thought about what would happen to your kids if something unexpected happened to you? It’s a tough thing to think about, but it’s super important. That’s where the Child Legacy Plan comes in. It’s like a superhero for your family’s future!
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Ready to take the next step?
Ready to take the next step?
Schedule a consultation with our experts today and discover how our innovative life insurance strategies can help you achieve your financial goals.
Schedule a consultation with our experts today and discover how our innovative life insurance strategies can help you achieve your financial goals.
Schedule a consultation