Enhanced Leverage Strategy®
Bank Funded Retirement Loans
Enhanced Split Dollar® is a pre-tax benefit strategy that uses employer contributions and bank leverage to triple the insurance premiums into your cash value accumulation life insurance contract (IUL), using this contract as the sole collateral for a bank loan.
The strategy triples your funds to support the ONLY cash value accumulation life insurance contract using leverage.
The success of your retirement depends on the amount you save, not on your rate of return. A unique cash accumulating life insurance policy using leverage offers an opportunity to earn interest and eliminate the risk of market declines, while providing you and your family protection. The policy secures the loan, providing you the potential for an additional 60-100% more for your retirement without the typical risks associated with leverage.
GREAT EXPERIENCE
Why using leverage is smart?
We have all used leverage to purchase a nicer house or to buy a better car. Split Dollar® uses leverage for the potential to accumulate more growth & obtain more protection, while providing the ability to maintain your current standard of living. That’s the smart way to use leverage.
- Potential for more accumulation.
- Maintain current lifestyle.
- More protection for you and your family.
- Diversify your assets.
Split Dollar® is Different
Split Dollar® is the only strategy that provides you the opportunity to add up to 3 times more money to fund a cash accumulating life insurance policy. Your contribution and the policy provide the security needed to obtain the loan and your participation is easy. Simply create an account, estimate your short 5-year annual contribution amount, and let Split Dollar® leverage do the rest.
Split Dollar® was designed to minimize expenses and maximize your potential for accumulation. We then combined it with leverage to provide you the potential for 60-100% more.
Smart
Leverage
- No Credit Check
- No loan documents
- No personal guarantees
- No interest payments
More
Protection
- Death benefit
with living benefit riders. - Chronic illness
- Terminal illness
More Potential Growth
- Upside crediting
(subject to cap) - No negative returns
(no loss due to market declines) - Tax-free distributions
(potential to access cash value using tax-free policy loans)
*The Split Dollar® Strategy is dependent on the client making contributions for the first 5 years therefore not defaulting on the policy, which could result in policy lapse and surrender charges. The client will not have access to the policy, the cash values, the death benefits or the living benefits until the loan is repaid and the assignment is released. The lender has the right to discontinue funding new premiums, exit the market, or to demand loan repayment based on the terms and conditions signed by the Master Trust. See the Master Trust documents for additional information. There are some exceptions to this rule. Please consult a tax professional for advice concerning your individual situation.
Still wondering if Split Dollar® is right for you?
Did you know, 90% of all households earning over $200,000 are chronically under saving for retirement in order to preserve their current quality of life.
Did you know?
Americans are some of the worsts savers in the developed world saving on average only 6.5% for retirement.
Source: gen.medium.com
Did you know?
If you currently earn $250,000 per year, you will need around $6,500,000 saved for retirement to maintain your current lifestyle.
Source: businessinsider.in
Did you know?
Many Americans are one medical emergency away from financial ruin. In fact 66.5% of all bankruptcies filed are due to health-care costs.
Source: cnbc.com
How to Get Started?
Make an Appointment
Find out your Needs.
Analyze Needs
Analyze and help you understand your benefits.
Select an Option
Helps you choose the most suitable program for you.
Support
Assist you completing your application.
Sign the Contact
We stay in touch with you to make sure you are doing the best.