LEVERAGED PLANNING® SOLUTIONS FOR BUSINESS

Leveraged Planning® Solutions for Businesses provide clients with a need for life insurance a great deal of flexibility in the design and implementation of a life insurance or annuity based premium financing strategy. Whether it's a complex group life program, Key Man policy funding, or a business continuity program, Leveraged Planning® solutions can be custom tailored to fit the needs of ANY business borrower.
 
 
KEY PERSON
Key employees – those individuals who are nearly indispensable to the organization – typically provide so much firm value that their loss would be financially detrimental for the firm. In these cases, a high cash value life insurance policy can provide the firm with an economic buffer to weather the troubles that could arise from the loss of such a valued team member.

Leveraged Planning® solutions provide a business with the means to execute a plan for the contingency of loss of a key man while reducing the often-high capital outlays necessary to fund the life insurance premiums.

We can work with a borrowers legal and financial advisors to help in the design and funding of a life insurance policy that is tailored to provide the business with sufficient resources to offset the loss of a key employee. Our unique competencies, high-touch service and favorable rates and terms make us the leading choice to fund these mission-critical strategies.
 
 
BUY-SELL
Often similar in many respects to a key man strategy, the buy-sell provides a multi-owner business with a means to plan for the loss or exit of an owner by implementing a strategy to insure that the remaining owners can acquire the ownership stake held by the former partner. One of the primary benefits of a buy-sell agreement is that the remaining owners are not forced to search for a new buyer or partner to join the business.

Generally relying upon a high cash value life insurance policy these buy-sell agreements can often best be funded using a Leveraged Planning® solution. With this approach, the firm is able to use a commercial loan to put in place a plan for business continuity for a group of owners while maintaining a higher level of liquidity than might otherwise exist if the firm were to pay for premiums directly.

We are able to help facilitate the design and funding of a life-insurance based buy-sell agreement that can help insure business continuity in the event of unforeseen, potentially-disruptive changes for business owners. Our unique competencies, ability to work with legal and financial advisors, high-touch service, and favorable rates and terms make us the leading choice to fund these mission-critical strategies.
 
 
EXECUTIVE COMPENSATION
In the modern employment environment, high quality executive talent is often most easily recruited and retained when the benefit package includes a strong executive retirement plan.

Funding executive compensation plans can often present a challenge for business owners. High cash value life insurance plans can prove to be an ideal tool for providing corporate leaders with a significant future economic benefit both during their lives – and potentially for their heirs. Premiums for these policies can be expensive, though – that’s where a Leveraged Planning® solution can help.

By using a commercial loan approach, the firm can protect business asset liquidity while still providing a suitable compensation structure designed to appeal to their executives.

Our experienced staff can work with businesses and their financial and legal representatives to assist in the crafting and funding of a life-insurance based executive compensation agreement that will help to improve key employee retention and insure that valuable human resources remain within the organization. Our unique competencies, high-touch service and favorable rates and terms make us the leading choice to fund these mission-critical strategies.