Planning Applications

• Estate Planning – Typically, when life insurance is purchased for the funding of estate tax, premiums are paid with after-tax dollars, and are subject to a gift tax. With a zero out-of-pocket plan design, NIW Life Strategy minimizes or even eliminates these issues.
• Buy/Sell – Premium finance can ease the cost of funding buy/sell agreements such as cross purchase, stock redemption, or a family transition.
• Key Man – NIW Life Strategy can be used, thereby keeping liquids/cash in the firm.
• Dynasty Trust Revitalization – As family trust assets decrease through distribution or taxation, ABIL can allow a family to obtain a large life insurance policy to fund the family legacy.