Return on Life
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  • Wealth Defence · Corporate Strategy

Borrow Your Own
Money Back.

Get the life insurance your family needs — and keep your cash working.
THE IFA · CONCEPT ILLUSTRATION
01
YOUR CASH STAYS IN THE BUSINESS
02
YOUR PROTECTION IN FORCE
03
YOUR WEALTH MOVES OUT TAX-FREE
01
THE OPPORTUNITY

As much an opportunity as it is insurance

This is as much an opportunity as it is life insurance. You may need the protection — or you may not. Either way, it does what every owner wants: preserve your wealth, maximize your income, and minimize your taxes — from the same dollar.

You don’t have to choose between insurance or your business.

One dollar, two jobs — it keeps working in your business, and moves your wealth from corporate to personal hands, tax-efficiently.

Like the equity in your house

Once it’s worth something, the bank lends against it. Your policy works the same way — it builds value, and the bank lends that value back.
02
THE MECHANICS

How it works — in 4 steps

1

Pay the policy

Your company funds a policy — about 10 years, not forever.

2

Borrow it back

The bank lends it back, with the policy as security.

3

Keep growing

You reinvest in your business. A little interest each year.

4

Pass it on

Insurance pays off the loan. Family gets the rest — tax-free.
03
THE CONCEPT

The same dollar builds two assets

Your investment, your insurance — and the two combined

One dollar doing two things at once.

+
=
Your investment
Insurance
Your investment with insurance

One dollar. Two assets — your investment and your life insurance, at the same time.

And it keeps building

The longer it runs, the bigger it gets.

Early yearsTime →Life expectancy
Investment Insurance Investment + insurance
04
THE FIT

Who it’s for — and the honest part

Who it’s for

Growing, profitable businesses that need insurance but don’t want cash sitting idle. You must be healthy enough to qualify.

The honest part

It uses a loan and needs a yearly check-up. Powerful, but not for everyone.
Concept illustration only — not legal, tax or investment advice. The graphs show how the strategy works in principle, not guaranteed amounts. Actual results depend on a personal insurance illustration, current lending terms, interest rates, and your own circumstances; loan interest is a real ongoing cost and is usually tax-deductible. Please consult your own tax and legal advisors before acting.

One dollar, two jobs. Let’s see whether the IFA fits your business.

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