Proprietary Leverage Planning
What are Leverage Planning Programs Designed to do?
Retirement Planning with Death Benefit Protection
Built around life insurance and annuity products that build cash value inside the policy, Leveraged Planning programs are commonly implemented as a means to help augÂment retirement income needs through loans from the policy's cash value. In the case of life insurance products, in particular, the need for insurance death benefit protection combines with cash value growth.
Estate Planning
Clients looking to prepare for the needs of their heirs through life insurance or annuity products frequently look to Leveraged Planning programs. Leveraged Planning enables the client to more quickly create a robust estate plan that will provide greater security than most other options and more flexibility with respect to handling estate taxes of large estates and the other benefits associated with the plan.
Buy and Sell Agreements (Business Succession)
Business succession planning is critical to insure the long-term viability of a business entity. According to the MassMutual Business Owner Perspectives' 2011 Study, over 75% of businesses have no formal succession plan in place. Leveraged Planning provides a practical solution - funding the business succession plan by using leverage inside the firm.
Premium Financing
Traditionally, many high net worth individuals have sought out financing with a small niche group of lenders as a means to put in place large life insurance policies for their estate planning needs. Now, with Leveraged Planning, the option to implement a premiÂum financing program is easier than ever before. Implementing a premium financing solution using Leveraged Planning requires only the creation of an LLC by the prospective program participant.
Other Business Planning Strategies
There are many business planning options available to clients implementing Leveraged Planning programs. More often than not, clients find many compelling and exciting new options for structuring financial contingency plans for their business or personal needs using Leveraged Planning programs. The key is to recognize that Leveraged Planning is inherently flexible and opens up many doors that may have previously appeared closed.
