Benefits

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The Capital Maximization Strategy^sm  is for affluent clients who need life insurance...

·         and do not like paying the premiums

·         and would like to purchase it with other people's money

·         and would like to retain their own capital investments

·         and would like to reduce their gift tax exposure

·         and appreciate the benefits of leverage

Other Benefits

PERSONAL LIFE INSURANCE NEEDS

·         Income Replacement

·         Testamentary Gifts to Charity

·         Supplemental Retirement Income Needs

·         Loan Indemnification 

ESTATE PLANNING

·         Leverages the Annual Gift

·         Substantially reduces, or eliminates Gift Tax

·         Allows significantly more Estate Tax Liquidity (life insurance) to be purchased

BUSINESS PLANNING

·         Cost Efficient Buy/Sell Funding

·         Cost Efficient Key Person Insurance

·         Cost Efficient Supplemental Executive Retirement Planning (SERP)

The Capital Maximization Strategy ^sm can be used whenever a life insurance policy is purchased!