The Difference

The two key differentiators between CashStream and other corporately owned life insurance solutions are that our designs can be completely financed and employees do not have to die (mortality schedules) for the plan to work.

The CashStream model makes particularly good sense for municipalities. These entities have the same insurance and cash needs as corporations, particularly those who are affected by GASB45. For most, their only options are to either hand the problem off to someone else to solve (typically unions), or drop the benefit entirely. Regardless of which option the entity chooses, they must still deal with a cash shortfall and few have the cash available to fund it fully. The NIW CashStream solution is a truly effective third option that can benefit both employers and employees.

The concept can also be used to informally fund buy sell, key man, non-qualified plans etc.

The key is that CashStream helps keep cash in the firm.