Bank Premium Financed Life Insurance

Protect What Matters Most

It’s a difficult subject to discuss. No one wants to think about their death. But the fact remains- it’s not a matter of if the day will come, but when the day will come. That’s the tough part in that it could be today, tomorrow or hopefully, decades from now. The unpredictability of life is the very reason to act today to secure your family’s future.

You’ve taken care of them your entire life. With Life Equity Group, you can provide for them all of their lives if something should happen to you.

SUMMARY

Whether your worth $1 million or $500 million, our unique and proprietary financial strategy is designed to provide you with tax-free income within a projected 10-12 years. Annual incomes are illustrated to range from a small 5-figure annual distribution upwards to 7-figures within a projected time frame. This strategy was designed and built around high net worth clients. This strategy is designed to be set up in an Irrevocable Life Insurance Trust or an LLC providing the HNW client Peace-of-Mind knowing that their life insurance policies are protected from lawsuits and are bankruptcy remote. Annual distributions are projected to start with 15 years of inception. Our strategy is built around a specially designed indexed universal life insurance policy from top rated insurance carriers and is available through our insurance provider company. One of the unique benefits is that our clients have the option of not having to write a check for premiums as well as being able to roll up the interest payable out of the death benefit proceeds. There is also an option where the client can select to pay a fee which also can be rolled up into the loan whereas, they do not have to post a personal guarantee.

Benefits of Implementing the Prestige Strategy™… Little to NO Cost to Implement

How the Prestige Strategy™ works…

Nationally recognized bank lends premium.
High Cash Value policies are used to collateralize the premium loans.
Additional outside collateral is used to cover the shortfall on the interest portion of the loan. (This is usually for a period of 10-12 years on average.)
Loan Interest rate is based on LIBOR plus a small spread.
Policy crediting rate average has historically been 2% higher than the loan borrowing rate.
Loan Exit Strategy: Loan, interest and PG is paid off from death benefit process.

Provider Company History…

Has been providing solutions for wealthy and ultra-wealthy clients since 2000.
2015 won the Family Office Review Award for BEST Insurance Provider.
Over 1,600 clients including 18 billionaires.
Over $9 Billion in first year premiums financed.
Since inception they have never had a loan called.
The provider group has been fully vetted by major banking and insurance institutions.
100% persistency rate over the last 10 years, and better than 90% persistency since 2000.
Proprietary life insurance product built by 13th largest insurance carrier in the world

We offer 4 Unique Strategies with Little to No Out-of-Pocket, Leveraging Minimal Collateral

Key Employee Retention Design
High Net Worth Estate Planning Design (Non-MEC & MEC Designs)
Tax-Free Income Design
Charitable Design

We’ve all experienced the loss of a loved one. It’s impossible to escape. Death is hard to think about. It’s even more difficult to discuss with financial experts, let alone the people you love.

With the proprietary strategies that Life Equity Groupg offers, you can stop worrying about the future by planning for it today. We make it so simple because you will never have to write a premium check or pay the interest the lender charges you for the funding the premiums on the policy. Our clients have the option of allowing the insurance company to pay the lender back out of the gross death benefit leaving substantial tax-free death benefits to your heirs.

Now is the time to secure your family’s future. But with our plan, you don’t have to die to collect. In as little as 15 years from today, you can enjoy a six-figure, tax-free income for life. If you should die late in life, you will have benefited handsomely with tax-free money. At death, your beneficiaries will receive a large tax-free lump sum settlement.