Enhanced Split Dollar is a pre-tax benefit strategy that uses employer contributions and bank leverage to triple premiums into your cash accumulation life insurance policy (IUL), using the policy as the sole collateral for the bank loan. These additional contributions greatly enhance the growth potential of your policy, which in turn provides more protection and more benefits. This provides you with more flexibility in the event of an emergency (chronic, terminal, critical illness or death) and allows you to get up to 100% more supplement retirement income compared to conventional retirement plans.


  • Truly one of the best and most tax-efficient incentive plans on the market
  • 3x leverage increases the amount of cash available
  • Money invested on the plan becomes an asset for the employer
  • Typically 90% – 110% better return versus self-funded strategies

Client Profile

  • C Corp and nonprofit organizations
  • Under 65 in age
  • Earning $200,000+ per year*
  • Standard or better health
  • *if premium is paid by employer, $100,000 per year will be considered on a case by case basis