Our Services
Our premium financed life insurance services are best-in-class.
Premium Financing
Through the use of our custom-tailored solutions we are able to design conservative and sustainable premium financed life insurance structures that preserve clients' cash flow and efficiently accomplish their goals. Our stable of lenders assure clients are matched to the best terms available.
Our designs may achieve the following results:
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Reducing client’s out-of-pocket expense
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Allowing clients to use their capital for other higher yielding opportunities
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A higher death benefit and IRR
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Lowering gift tax liabilities for estate cases
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Securing the “proper” amount of coverage for your planning
Refinancing
Given our breadth of experience in the premium finance market we can often times improve the terms of a client’s current lending arrangement. Even a small improvement in rates or terms can make a significant difference over the long-term.
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Our Refinancing Approach:
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We will run an analysis of existing funding arrangements versus our current lending platform
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If a refinance is desired, our team will handle all of the necessary paperwork
Policy Audits
Outdated policies can lose their competitive position and effectiveness as new more efficient products enter the market.
When we review existing life insurance policies we can:
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Identify policy deficiencies and recommend changes or reallocations
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Repurpose the existing policy without surrender to achieve portfolio goals
Alternative Investment Strategies
As the old adage goes, “it isn’t what you make, it’s what you keep”. Our Alternative Investment Strategies Platform is for accredited investors* only and is focused on two primary areas: current tax mitigation (keeping more of what you make) and increased capital appreciation.
Here are a few of the programs we utilize:
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Real Estate
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Oil and Gas
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Opportunity Zones
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Franchise Funding
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* An accredited investor is s a person with individual net worth, or joint net worth with their spouse or spousal equivalent, of more than $1,000,000 exclusive of the value of their primary residence, and/or a person with an individual income in excess of $200,000, or joint income with their spouse or spousal equivalent in excess of $300,000, in each of the 2 most recent years and has a reasonable expectation of reaching the same income level in the current year.
