Get the life insurance your family needs — and keep your cash working.
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.
One dollar, two jobs — it keeps working in your business, and moves your wealth from corporate to personal hands, tax-efficiently.
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.
Your company funds a policy — about 10 years, not forever.
The bank lends it back, with the policy as security.
You reinvest in your business. A little interest each year.
Insurance pays off the loan. Family gets the rest — tax-free.
Growing, profitable businesses that need insurance but don’t want cash sitting idle. You must be healthy enough to qualify.
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.