Extend your client relationships thru generations

Duration of insurance-linked portfolios can span decades and create new advisory opportunities for advisors, estate planners, and family office professionals.

Add visible
alpha

protect leakage in investment returns and estate assets

Expand share of family wealth

low cost solution with inclusion of broader family

Retain more assets

proprietary model IDF portfolios and SMA mandates

Access new client channels

partnered execution with leading practioners

Do more with insurance-linked investments

Minimize income & estate liabilities
Balance portfolio with alternatives
Plan with assets abroad
Give to personal causes
Retain liquidity for personal use

Build lifetime solutions with ease




purpose-built AI for product, structuring, and compliance information — all in one place




asset allocation analysis to evaluate and visualize overall client portfolios — holistic fit



partner programs and model structures with leading players — fast and dependable




lifecycle tools help to optimize performance, and compliance— risk

Key features of investment-wrapped investment products

Asset Protection
  • Protected from the claims of policyholders and other creditors
Investment
  • Text Here
Liquidity
  • Withdrawals up to cost basis not subject to tax
  • Potential to access after-tax account values
Taxation
  • Income and gains are tax-deferred and subject to income tax at ordinary rates if mandate is fully surrendered
  • No income tax on insurance death benefit, and estate tax relief if policy is properly structured
Structuring
  • Flexibility to incorporate as part of existing estate plans, trusts, wealth strategies, etc.
Underwriting
  • Medical: insurers evaluate health status to determine pricing
  • Financial: advisors assess economic viability for insurance
Reporting
  • No K-1s
Surrender
  • No insurance surrender charges
  • Potential tax-free exchanges from retail life insurance products