Financing Strategy

Access low-cost liquidity.

Seeking liquidity from invested assets in long and short-duration strategies can be limiting due to lock-ups, coordinating with multiple parties, and current tax liabilities upon sale.
Potential added flexibility with insurance structures:

Tax-free cash withdrawal of total premium paid

like any life insurance policy this is considered a return of premium

Tax-free borrow from the account value upto 90%

net cost (~0.4 – 0.7%) is equal to the loan interest rate less the fixed account investment rate offered by the carrier.

Borrow against the account value

as with other assets, collateralized loans can be sought by lenders, potentially up to 50% of the account value

For above, withdrawn or loaned funds forgo investment returns; loan interest is typically deducted from account value.

No change to investment mandate or returns.

For more information, please reach out to [email protected].