Estate Uses


Our clients are the healthy, wealthy and wise. For estate preservation and legacy planning, while still allowing for full benefits, use of cash value in the policy, and retaining death benefit for beneficiaries, the profile is: 55-89, good or better health, strong cash flow, and a net worth of 5MM or greater.


Having to swallow the need to write a check annually to satisfy large insurance premiums to prevent estate issues can be an uncomfortable reality for most. Not anymore – we can finance those premiums! Let’s look at our options to purchase in general. We’re comfortable with the idea of borrowing money at a small interest rate to purchase goods or services so we are able to retain the use of our own money. With premium finance, we are able to do just the same AND repay the loan through the cash build up within the policy over time OR when we pass on, the lender is repaid from the death benefit and the remainder passes to our beneficiaries.


Instead of paying for insurance with a stream of payments over our lifetime, let’s look at how financing may be a better alternative. We will leverage a loan from a lender (at a low interest rate) to put as much money in your whole life or indexed insurance policy (typically for 5 or 7 years) as possible and let that money grow. Instead of the client servicing the premium, the client will service only the interest on the loan!  Depending on how much interest is paid, market climate and policy performance, we can estimate between 10-15 years that there will be sufficient growth in the insurance vehicle to repay the loan from the cash in the policy. Now the lender is repaid and you have a fully funded policy to last for your entire life!

This concept turns the entire perception of life insurance on its head.