Our BespokeFINANCE policy is not your typical financial vehicle. Designed specifically for high-net-worth individuals, it offers a unique and sophisticated financial solution that combines leverage, investment and protection to help policyholders grow their wealth, protect their assets, and plan for the future.
What sets our BespokeFINANCE policy apart is its highly customizable approach to high-net-worth-estate planning. By using leverage, our clients can maximize the benefits of obtaining high-value life insurance without tax penalties of liquidating assets, all while building another financial tool to meet the needs of their estate.
If that doesn’t pique your interest, this will: BespokeFINANCE provides market access with full downside protection against market volatility. Create greater access to market gains with leverage, while still maintaining the protection you are accustomed to, with insurance against market volatility. Meaning, your funds are safe against market losses, while still having full access to market benefits. This is the ultimate vehicle for high-net-worth individuals to meet the high-demands their estates often require.
Flexibility to pick the index of your choice.
Returns are determined by indexes of your choice. You can allocate all or part of your policy’s accumulation value to earn compounded interest that is based on the positive performance of an external market. Interest is credited annually on the policy anniversary based on the actual performance of the index and crediting method applied.
High-value life insurance, without liquidating your assets.
Our BespokeFINANCE policy for high-net-worth clientele offers bank financed premium options to those with a need for a large amount of life insurance and who don’t want to liquidate their assets. The strategic benefits that bank financed premiums offer include allowing assets to remain in a client’s business and other high performing vehicles, without possible tax consequences; while using leverage to fund the premiums.
At no time is your money at risk in the market.
Your principal & your gained interest will always be protected against market downturns.
Your policy tracks the performance of your selected index(es) – but you’re not actually participating in the market or buying shares in any index. If at the end of the crediting period:
Avoid tax consquences with the use of leverage.
Qualified clientele can use bank financed premiums to avoid potential tax consequences and fund premium into their BespokeFINANCE policy. Once funded, the policy interest compounds tax-free building value. This allows our high-net-worth clientele to keep their current assets working outside the policy, while creating a new asset, the BespokeFINANCE policy, to work for them as well.
High-net-worth estates have high-planning-demands.
Our BespokeFINANCE policy offers a tailored solution for those looking to enhance the impact of their legacy. Whether to provide liquidity to pay inheritance taxes, support business planning requirements, provide funds for a beneficiary to acquire assets from the estate, or any other lasting legacy needs your estate may have, our BespokeFINANCE policy will be there to ensure the demands of your estate are met.
BespokeFINANCE, unlike other financial vehicles, offers a tax efficient path to transferring wealth.
DISCLAIMER: Guarantees are backed solely by the financial strength and claims paying ability of the insurance company. This content is for general educational purposes only. It is not intended to provide fiduciary, tax or legal advice. The Policy Shop has not given any legal or tax advice related to the premium financing arrangement. The indexes available within the policy are constructed to keep track of diverse segments of the U.S. or international markets, or specific sectors. These indexes are benchmarks only. Most life insurance policies require health and financial underwriting. The product and/or features may not be available in all states. State variations will apply.