Personalized Legacy Planning
Transactional Excellence for Transformational Results
The Secret of change is to focus all of your energy not on fighting the old, but on building the new.
– Socrates
Our Story
The Need
We see an exponential increase in the demand for innovative structures that could be flexible enough to meet the various needs of life insurance and tax-efficient investors
Insurance Carriers in the private placement life insurance market have been unable to expand their insurance capacity to satisfy the needs of clients with substantial assets. The very nature of the current private placement life insurance policy design makes it cost prohibitive to structure large amounts of a defined insurance amount. Now, an innovative structure makes it possible to expand capacity, providing levels of insurance coverage previously unavailable, and with much greater design and investment flexibility.
Our Idea and Strategy
Our idea is to utilize highly rated insurance carriers and their general account products as a substitute for traditional reinsurance where the cost of insurance is not guaranteed nor level. We like to refer to this as “synthetic reinsurance” providing the structure with a consistent and guaranteed cost structure, which can more than double the insurance capacity with a commensurate increase in investment capacity. It is now possible to utilize in force life insurance policies or new life insurance policies that we assist in obtaining.
Our Corporate Capacity
We have built a multi-disciplinary team to create this value for families and their team of advisors. Our team of experts whose breadth of talents in the law, tax and accounting, legacy planning, traditional and private placement life insurance markets complement each other. We stand ready to provide valued outcomes for family enterprises.
