WILL YOUR LEGACY STAND TALL
OR CRUMBLE? LET’S TALK ABOUT:
Life Insurance
Life Insurance
Covers the worst day, fuels the best ones.
Besides being the most selfless thing you can do…
What is Life Insurance?
It's a tax-free, creditor-protected lump sum payment to your beneficiaries when you pass away (but we know it can be much more than that).
Used strategically, it also works while your alive. With modern solutions like Immediate Financing Arrangements (IFA), you can unlock the full potential of permanent (lifetime) life insurance and accomplish incredible things like turning your children into millionaires without you having to pass away!
It's a tax-free, creditor-protected lump sum payment to your beneficiaries when you pass away (but we know it can be much more than that).
Used strategically, it also works while your alive. With modern solutions like Immediate Financing Arrangements (IFA), you can unlock the full potential of permanent (lifetime) life insurance and accomplish incredible things like turning your children into millionaires without you having to pass away!
Practical uses for life insurance
Leverage your policy’s cash value for a purchase or investment
Leverage your policy’s cash value for a purchase or investment
Leverage your policy’s cash value for a purchase or investment
Cover Funeral costs and final expenses
Cover Funeral costs and final expenses
Cover Funeral costs and final expenses
Build tax-sheltered cash you can access while you’re alive
Build tax-sheltered cash you can access while you’re alive
Build tax-sheltered cash you can access while you’re alive
Keep your business running if a key team member passes away
Keep your business running if a key team member passes away
Keep your business running if a key team member passes away
Treat your children fairly when dividing up your estate
Treat your children fairly when dividing up your estate
Treat your children fairly when dividing up your estate
Buy out a business partner’s spouse if the partner passes away
Buy out a business partner’s spouse if the partner passes away
Buy out a business partner’s spouse if the partner passes away
Pay off the mortgage on the family home
Pay off the mortgage on the family home
Pay off the mortgage on the family home
Replace the primary breadwinner’s income
Replace the primary breadwinner’s income
Replace the primary breadwinner’s income
Cover estate taxes so your heirs get what you intended behind
Cover estate taxes so your heirs get what you intended behind
Cover estate taxes so your heirs get what you intended behind
Real World Examples:
High Net-Worth Client:
Michael, 58, owns a multimillion-dollar distribution company and hated idle cash. We set up a corporate-owned, 10-pay participating whole life policy at $350K/year. His bank financed 95% of each premium against the policy, so he only serviced interest. He redeployed the loan into a new warehouse and a minority Private Equity stake while the policy’s cash value compounded. By year seven, returns exceeded borrowing costs, liquidity stayed intact, and the tax-free death benefit is positioned to retire the line of credit and credit the Capital Dividend Account (CDA) for tax-efficient distributions. Result: he built two assets at once—business and policy—without tying up working capital.
Young family setting up a long term plans for their daughter:
Sarah and Mark wanted a permanent plan for their 8-year-old, Sam. We set up a 20-pay participating whole life policy at $200/month. They own it, and dividends automatically buy extra paid-up coverage, so cash value grows tax-advantaged in the background. By university there’s a solid cash reserve that they can borrow against for tuition or a first-home down payment—no credit check, flexible repayment, and it keeps compounding. At age 28, premiums stop forever; coverage is paid up for life. Long-term projections show over $600,000 in cash value plus lifelong insurance, regardless of future health. When ready, they can transfer ownership to Sam, making it a living asset—without straining family cash flow.
From ‘I’m Uninsurable’ to $500,000 - No Needles Needed:
Mike, 43, came to us five years after a heart attack (one stent, non-smoker, on prescribed meds, stable follow-ups). He need to protect his new mortgage and provide income replacement for his family. We recommended an accelerated, non-medical underwriting route for a 20-year term policy. The application was 10-minutes over the phone using only health questions, prescription checks - no fluids, no ECG, no nurses. Result: approved for $500,000 of coverage, aligned with the mortgage timeline and spouse as beneficiary. Meaningful coverage - fast and clean.
High Net-Worth Client:
Michael, 58, owns a multimillion-dollar distribution company and hated idle cash. We set up a corporate-owned, 10-pay participating whole life policy at $350K/year. His bank financed 95% of each premium against the policy, so he only serviced interest. He redeployed the loan into a new warehouse and a minority Private Equity stake while the policy’s cash value compounded. By year seven, returns exceeded borrowing costs, liquidity stayed intact, and the tax-free death benefit is positioned to retire the line of credit and credit the Capital Dividend Account (CDA) for tax-efficient distributions. Result: he built two assets at once—business and policy—without tying up working capital.
Young family setting up a long term plans for their daughter:
Sarah and Mark wanted a permanent plan for their 8-year-old, Sam. We set up a 20-pay participating whole life policy at $200/month. They own it, and dividends automatically buy extra paid-up coverage, so cash value grows tax-advantaged in the background. By university there’s a solid cash reserve that they can borrow against for tuition or a first-home down payment—no credit check, flexible repayment, and it keeps compounding. At age 28, premiums stop forever; coverage is paid up for life. Long-term projections show over $600,000 in cash value plus lifelong insurance, regardless of future health. When ready, they can transfer ownership to Sam, making it a living asset—without straining family cash flow.
From ‘I’m Uninsurable’ to $500,000 - No Needles Needed:
Mike, 43, came to us five years after a heart attack (one stent, non-smoker, on prescribed meds, stable follow-ups). He need to protect his new mortgage and provide income replacement for his family. We recommended an accelerated, non-medical underwriting route for a 20-year term policy. The application was 10-minutes over the phone using only health questions, prescription checks - no fluids, no ECG, no nurses. Result: approved for $500,000 of coverage, aligned with the mortgage timeline and spouse as beneficiary. Meaningful coverage - fast and clean.
