Your Insurance Portfolio - it is essential to review it regularly for risk & OPPORTUNITY.
Premium Financed Strategies
We are experts in this space and have relationships with the best in the business for implementation. Properly designed, the strategy takes a fundamentally safe, fixed insurance policy, and uses leverage to increase the expected rate of return. The policy is self-collateralizing and certain large banks are keen to make these loans at very desirable rates. Clients typically pay only the interest on the loan. The results can be substantial as well as tax-free or deferred depending on the design.
In today’s environment, this strategy is extremely valuable. Not all clients qualify for this, but if you have a net worth greater than $5,000,000 you should at least be knowledgeable about premium financed strategies.
Core Insurance Strategies
Beyond premium finance strategies, more and more investors of more “ordinary” means are learning about the inherent benefits of an insurance policy for more than simply covering losses. Modern policies can insulate investment dollars from taxes and distance assets from litigation. Performance derived from these products can be anywhere from safe and steady to aggressive and high-performing. Performance is not simply a function of the cash in the policy. If you have an insurance portfolio, it is essential to review it for risk and opportunity. Ask for a time to talk. No pressure.
Complimentary Insurance Portfolio Review
A second opinion is wise for portfolios that have not materially changed in quite a while as well as concepts newly introduced to you. Please complete the form below.