Address target needs, and explore potential to do more

Customize solutions for your situation and plans with panel of experts.

HNI wants to transfer wealth to next gen and minimize income & estate liabilities.

Ability to incorporate as part of ILIT to mitigate estate tax liability

SFO with assets in multiple countries faces complex estate planning.

International portability of insurance allows seamless integration

U/HNI investor seeks diversification into private equity and hedge funds.

Can choose from insurance dedicated funds or model portfolios

HNI wants to support philanthropy and realize related tax benefits.

Structure with charitable rider to designate portion of death benefit.

Founder realizes proceeds from IPO and wants liquidity for next venture.

Ability to plan deposits and withdraw after-tax account values

Key features of investment-wrapped investment products

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

Flexibility to incorporate as part of existing estate plans, trusts, wealth strategies, etc.