Strategies for High Net Worth Individuals

The premium funding arena of estate and retirement planning is one of Mark's specialties. This is where high net worth individuals can use assets as collateral to secure premium loans from A+ rated banks in order to purchase life insurance policies as part of a strategic estate or retirement plan. When structured properly, little or no cash outlay is necessary from the client. Instead, the client posts what's called "gap collateral" as his/her financial obligation to the process. Gap collateral is simply the difference between a financial institution’s loan to the client’s trust and the cash value of the life insurance policy held in the trust.  At some point, the gap collateral reduces to zero and is released by the bank as the entire collateral is provided by the cash values of the life insurance policy

"Proven techniques which have been stress tested and approved
​by A+ rated banks and insurance companies."

Yes, there are a number of moving parts involved, but with Mark's expert guidance, high net worth individuals can grow cash values within a life insurance policy to pay off bank loans, release collateral previously pledged and allow a paid-up life insurance policy to remain in the clients portfolio until death. And these are proven techniques which have been stress tested and approved by A+ rated banks and insurance companies. Contact Mark today and put his experience to work designing the right plan for you.

PRODUCTS & SERVICES
Life Insurance
Long Term Care
​Disability Insurance
​Annuities
Estate / Retirement Planning

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