Why we believe in the PremiumLife™ Strategy

The PremiumLife Strategy provides our clients the advantage of building and protecting their assets for them and the well-being of their family.

It offers the opportunity to create tax-free retirement income, protect against downside market risk and create a legacy through a high-value life insurance policy.

THE PREMIUMLIFE™

Protect your Family. Achieve your Goals. Maximize your Legacy.

Live the Premium Life and Leave a Legacy

TYPES OF MONEY

 TAXABLE

Stocks, Mutual Funds, Bonds, 

ETF's, REIT's, Managed Accounts 

TAX- DEFERRED

401(k), IRA, Annuities

TAX-FREE

Municpal Bonds, Roth IRA, Life Insurance

 

Protect against Higher Taxes & Generate

TAX-FREE INCOME

Today's Top Marginal Tax Rate is 37%

Traditional Investment could be a ticking tax bomb

Access your Cash Prior to 59 1/2   NO IRS PENALTY

How much should be in your tax-free bucket

                        

US Debt Clock

Yield Curve

 

DEFEND AGAINST VOLATILITY

with protection from Market Turndowns

• Earnings Capped on the upside as a Trade - off Downside Protection

• Policy Credits Never lower than 0%

• Lock your gains in Annually

• Lock in High Earning Rate at any Time

Returns Calculator

Index Returns

CREATE A LEGACY
with high cash-value life insurance

• Death benefit provided to your loved ones even after taking income, tax-free

• Death benefit may be accelerated for long-term care expenses

• Flexible premiums may allow you to adjust contributions as necessary

• Minimum guaranteed rate provided

What this can look like for 

YOU

6 Pay Primary Versions

M35 PremiumLife Flex $50k 5 Pay Income

M40 PremiumLife Flex $50k 5 Pay Income

M45 PremiumLife Flex $50k 5 Pay Income

M50 PremiumLife Flex $50k 5 Pay Estate

M55 PremiumLife Flex $50k 5 Pay Estate

M60 PremiumLife Flex $50k 5 Pay Estate

2 Alternate Versions

M50 PremiumLife Flex $50k 2 Pay Income

F60 PremiumLife Flex $50k 10 Pay Estate

Premium Financing Overview

In a typical premium financing plan, an individual or company borrows from a commercial or third-party lender, typically a bank, to pay the premiums on a policy owned by and payable to the trust. The trust either: (1) accrues the interest, or (2) pays the loan interest with cash flow from trust assets or with gifts from the client/insured. Sufficient collateral acceptable to the lender is posted so that the lender is fully secured at all times.

At inception, the lender agrees to a total loan for a term of years based on expected premium payments and subject to the guarantors continuing to meet financial qualifications. For example, assume a client desires to establish an ILIT and finance purchase a policy with five annual premiums of $500,000. The lender agrees to a $500,000 loan in Year 1 and total additional loans of $2 million to cover the remaining four premiums.

The client guarantees the loan and posts collateral as needed. The lender pays the first premium and, on each anniversary during the loan period, provides an invoice for interest due, trues up collateral (to ensure that the lender remains fully secured) and, provided the loan isn't in default and the client as guarantor continues to meet financial qualifications, offers the borrower the option to finance all or a portion of the next premium.

As part of the annual review, the client certifies to the lender that his financial net worth hasn't decreased, and the lender reserves the right to request a current financial statement. At the end of the 5-year period, the borrower will be given the opportunity to repay the loan or re-apply. The loan will be re-underwritten, and if approved, the borrower may re-up for another 5-year period, but subject to the lender's terms in effect at that time and based on the new underwriting.

The loan interest rate typically varies annually and is based on the current 3 month or 12 month LIBOR at the time of implementation, plus a spread ranging from approximately 100 to 350 basis points (bps). The spread will depend on the lender, the size of the loan and the creditworthiness of the borrower, and is guaranteed over the term of the loan.

Premium Financing With Indexed Universal Life: Part I
 

Buying Out a Business Partner

When an entrepreneur starts a new business, planning for a buyout of a business partner years in the future is rarely a top priority- but maybe it should be.

As businesses grow and evolve, so too do ownership or shareholder groups.  The same partners or investors who took a company from startup to $20 million in revenues aren't necessarily the right people to grow the company from $20 to $50 million, or $50 to $150 million, and so on.

Layer in retirements, partnership disputes and absentee or non-strategic owners receiving generous compensation, and making changes in ownership becomes increasingly more important (and costly) as the business grows.

In this guide, we'll discuss:

When a Partner Buyout is a Solution
Valuing the Business
Structuring a Partner Buyout
Financing a Partner Buyout
Using an Investment Banker to Raise Capital for the Buyout
 
SCHEDULE YOUR OWN CONFIDENTIAL MEETING
TO RECEIVE YOUR COMPLEMENTARY
PREMIUM FINANCING ANALYSIS

SCHEDULE YOUR OWN CONFIDENTIAL MEETING

TO RECEIVE YOUR COMPLEMENTARY

PREMIUMLIFE ANALYSIS