High Net-Worth clients, Wall Street and large institutions understand what we have been saying for years – life insurance is one of the greatest financial instruments available. There is a reason that the richest Americans own over half of the tax-free investment gains built up in life insurance and that banks have over $150 Billion in cash value life insurance.
Today’s life insurance products can produce attractive, income- tax-free IRRs and provide
immediate liquidity to the policy-owner at the death of the insured(s). Life insurance can help reduce the volatility of a family’s net worth, while providing an important liquidity hedge for wealth transfer strategies that take time to mature, and help to prevent the forced sale of assets that might otherwise be required to fund estate tax liabilities at the death of an insured.