Life Strategies gives individuals a way to finance life insurance premiums typically used to cover future estate taxes, by allowing the client to pledge collateral instead of paying premiums. This estate planning strategy allows clients to keep control of their assets, grow their assets, and potentially leave more for future generations. Life Strategies allows families more options and flexibility for succession planning, buy-sell agreement, and key man applications.  Life Strategies is one of the most well-designed and comprehensive solutions on the market for high net worth families.


  • Client keeps control of their assets; therefore, assets can grow with minimal opportunity cost
  • Reduces or eliminates gift taxes
  • Significantly more effective than paying premiums
  • Stress tested against the harshest economic conditions

Client Profile

  • Net worth greater than $10M
  • Typically below the age of 70
  • Client needs to be in good health
  • Insurance needed to cover estate tax
  • Ability to pledge collateral

If you are an NIW Agent and would like to request an illustration, please complete the Design Request Form and email it to Paul Walder at or Melanie Gotz at If you would simply like to learn more about Life Strategies, contact us using the following form.