PRACTICE AREAS
Estate
Planning
with Financed Life Insurance
Premium financing is a planning technique that has been providing death benefits to Estates for wealthy individuals with highly appreciated assets for over 25 years.
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Properly structured, these plans allow high-net-worth individuals to successfully use leveraging to acquire needed life insurance while allowing them to grow and protect their wealth.
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These clients find value in taking advantage of leverage and actively look for investment opportunities that yield returns greater than their cost of capital.
Retirement
Planning
with Financed Life Insurance
A Life Insurance Retirement Plan (LIRP) is simple in theory. LIRPs are essentially over-funded policies, that is, amounts above the premiums required to keep the policy in force. The intent is to maximize the cash value for future loans.
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There are plenty of benefits to including a leverage LIRP in your retirement planning. And using the Banks money to maximize funding via our leverage plans you get tax-deferred accumulation, asset protection, penalty and tax-free distributions, just to name a few benefits.
Generational
Planning
Generational planning can assure successful and significant wealth transfer to the next generation (your children or grand children) without jeopardizing your current and future lifestyle needs.
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The benefits being provided include death benefits to your child's family, creditor and divorce protected assets (if owned by ILIT), and secure tax-free income in retirement thereby eliminating any increased income tax rate risks.
with Financed Life Insurance
Business
Planning
with Financed Life Insurance
Life insurance provides a solid financial foundation and serves as a versatile tool for businesses of all sizes. Organizations can use our leveraged life insurance as a valuable benefit to attract top talent and build loyalty by helping employees protect their loved ones.
Business owners can use our leverage life insurance plans for additional purposes including protecting their company, family, partners and key employees from an unexpected death.