Services

Most people like the idea of life insurance but hate paying for it. Life Strategies utilizes bank leverage leaving your assets undisturbed. Life Strategies gives individuals a way to finance life insurance premiums through Asset Backed Insurance Lending (ABIL). Life Strategies will cover future estate taxes by allowing the client to pledge collateral instead of paying expensive premiums. Life Strategies can also be used for succession planning, buy-sell agreements, and key-man applications. 

Value Provided:

• • • Keep control of your assets working; invested assets can continue to grow with minimal lost opportunity cost while used as collateral.

    • Reduce or eliminate gift taxes.

    • Significantly more effective than paying premiums.

    • Stress tested against the harshest economic conditions.

Requirements

• • • Your net worth is greater than $10M.

    • You are below the age of 70.

    • You are in good health.

    • You need permanent life insurance.

    • You have the ability to pledge collateral or pay interest.

ABIL Life is designed for succession planning, buy-sell agreement, and key man applications. ABIL Life is one of the most well-designed and comprehensive solutions on the market for high-net-worth families.

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Multi-Gen allows you to provide an estate plan solution for your children and grandchildren while they are young and healthy. Before they receive their inheritance. Multi-Gen is an inter-generational strategy for individuals aged 70 and above, or with a “rated” or uninsurable status. This strategy allows you to put a highly effective estate plan in place of your beneficiaries, at a fraction of the cost. You insure your beneficiaries with Life Strategies, allowing bank financing to provide the cash for the premiums. Whether you’ve got a property portfolio, or a privately held family business; Multi-Gen gives you a cost-effective alternative to preserve the family legacy.

Value Provided:

• • • Protects the estate plan over multiple generations at a fraction of the cost.

    • Client maintains control of their assets and earnings.

    • Using financing has the potential to reduce your taxable estate.

Requirements:

• • • Net worth greater than $40 million.

    • You are above the age of 70, or “rated” or uninsurable.

    • Able to obtain insurance on your children or grandchildren who are in good health.

    • Children or grandchildren have estate tax exposure.

    • Ability to pledge collateral.

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With Family Trust & Foundation Revitalization, life insurance is obtained on some or all the beneficiaries of the trust utilizing Life Strategies. To minimize the impact on trust funds the policies are financed, and where possible, the loan interest is capitalized (rolled into the loan) requiring no interest payments. The cash value of the policies secures the loan, and some of the trust assets are used as supporting collateral, if necessary. By structuring the transaction this way, trust assets are not liquidated and earnings on trust assets are not lost. Trust liability is limited to the outside collateral and not the entire loan. Multiple policy death benefits and tax-free policy loan distributions are used to enhance returns on trust assets. This design replenishes trust assets for future generations of beneficiaries.

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