Insurance & Protection Strategy

Why Protection Matters / 为什么保障是第一步

For new immigrants, the U.S. insurance system offers opportunities that are often overlooked — with much lower premiums and stronger tax advantages than those available in China or Hong Kong.
对新移民而言，美国保险体系提供了中国或香港市场难以比拟的优势：保费更低、保障更高、税务效益更强。

As licensed financial professionals (CPA & CFA), we integrate insurance into your overall wealth plan — balancing protection, liquidity, and tax efficiency to secure your family’s long-term success.
作为持牌理财专业人士（CPA/CFA），我们将保险纳入整体财富规划，兼顾保障、安全性、流动性与税收效率，让家庭财富更稳、更远。

Term Life — Essential Protection for Every Family

定期寿险：每个新移民都必须拥有的基础保障

Term life insurance provides pure protection — large coverage at minimal cost. In the U.S., premium rates are often 70%–80% lower than equivalent coverage in China or Hong Kong.
定期寿险提供最纯粹的保障，以极低成本获得高额保额。 在美国，同等保额的定期寿险保费通常比中国或香港低 70%–80%。

• Purpose: Protect income earners, cover mortgage, fund children’s education.
  用途： 保障家庭经济支柱，覆盖房贷、教育、生活成本。
• Term Options: 10 / 20 / 30 years; convertible to permanent coverage later.
  期限： 10、20、30 年期可选，后期可转为终身保单。
• Ideal for: Newly arrived immigrants, young professionals, families with dependents.
  适合人群： 新移民、年轻专业人士、有子女家庭。

Our approach: We benchmark multiple insurers to secure the best-rated policies for international applicants, even those on visas or without SSN.
我们的做法： 独立比对多家保险公司，为国际客户（含签证持有人或无 SSN）筛选最佳评级方案。

Whole Life — Stability, Cash Value & Legacy

终身寿险：稳健增长与财富传承

Whole Life insurance offers lifelong protection with guaranteed cash value accumulation. It combines insurance, savings, and estate planning in one instrument — ideal for families seeking long-term security.
终身寿险兼具终身保障与现金价值积累，是集保障、储蓄与传承于一体的综合金融工具，适合追求长期稳健与传承的家庭。

• Guaranteed Growth: Annual dividends credited by top-rated mutual insurers.
  保证增长： 顶级互助保险公司每年分红，复利滚存。
• Liquidity Access: Policy loans and withdrawals provide tax-advantaged liquidity.
  灵活流动性： 现金价值贷款与取款具税务优势。
• Estate Planning Tool: Payouts bypass probate and income tax, funding ILITs and trusts.
  传承利器： 身故金免遗产认证与所得税，可结合信托（ILIT）规划传承。

适合人群： 中高净值家庭、企业主、希望以美元资产长期稳健增值并实现财富传承的客户。

Variable Universal Life — Flexibility & Market Participation

可变万能寿险：灵活配置与投资潜力

Variable Universal Life (VUL) combines life insurance with investment options. Policyholders can allocate cash value into sub-accounts linked to equity or bond markets, with tax-deferred growth.
可变万能寿险（VUL）兼具保障与投资功能，保单现金价值可投资于股票或债券子账户，实现税延增长。

• Flexibility: Adjust premium and coverage based on market and income changes.
  灵活性： 可根据市场与收入状况调整保费与保额。
• Tax-Deferred Growth: Investment gains within the policy are not taxed until withdrawal.
  税延增长： 保单内收益在提取前无需缴税。
• Wealth Strategy: When managed properly, VUL becomes a powerful tax-efficient investment wrapper.
  财富策略： 专业配置下，VUL 可作为高效税务投资载体。

提示： VUL 适合已建立基本保障、希望追求长期投资潜力的客户。需由持牌顾问设计资产配置与风险控制方案。

Integrated Planning — Protection Meets Wealth Strategy

整合规划：保障与财富策略并行

At Novastella Consulting, we don’t sell insurance — we design comprehensive wealth solutions. Each policy recommendation is integrated with your tax plan, trust structure, and cash flow strategy.
在 Novastella Consulting，我们不卖保险，我们设计的是完整的财富规划。 每一份保单都与税务架构、信托结构及现金流策略相结合。

• ✅ Combine Whole Life with ILIT for estate tax reduction
  终身寿险 + ILIT：降低遗产税负
• ✅ Use Term Life for income replacement and key-person coverage
  定期寿险：保障家庭与企业关键人物
• ✅ Leverage VUL for tax-deferred investment growth
  VUL：实现税延投资增长
• ✅ Integrate insurance with trust and asset protection structures
  与信托及资产保护架构联动

Our Fiduciary Promise

我们的信托责任承诺

As licensed CPA and CFA professionals, our duty is to design, not to sell. We benchmark top-rated U.S. insurers, analyze tax implications, and customize coverage that aligns with your long-term objectives.
作为持牌 CPA 与 CFA，我们的职责是规划而非销售。 我们独立比对美国顶级保险公司，评估税务影响，为客户量身定制最符合长期目标的保险方案。

Every recommendation is transparent, data-backed, and aligned with your family’s financial future.
每一份建议都基于透明数据与严谨分析，完全以客户家庭的长远利益为中心。