Key Advantages

Advantages

• Does not require corporate cash flow to fund—just collateral.
• Does not rely on the death benefits of employees to work. No mortality curve risk.
• NIW CashStream is beneficial even if employees leave the organization. This is particularly relevant for key man and buy/sell applications.
• Vanilla insurable interest (not janitor insurance).
• Flexibility – allows self-funding in positive years, financing in financially difficult years.

Benefits

• Best IRR versus alternative investment to fund— plans/programs
• Uses the advantage of tax-free cash value growth within the policy
• Preserves corporate liquidity
• Can be asset protected