• Client Enjoys Cash Value Growth Inside the Policy
• Client Enjoys Death Benefit to Cover Estate Taxes
• Client Does Not Pay the Premiums or Any Other Fees
• Financier Pays the Premiums
• Financier Places a Lien on the Policy

Financed Life Insurance

C3 helps our high net worth clientele establish life insurance policies from top rated insurers, where the premiums are fully financed by our strategic partners. C3 clients enjoy cash value growth and a death benefit to cover estate taxes. C3 clients do not pay the premiums, and the financiers simply place a lien on the policy, which typically has a Fitch Rating of AA or better.

Individual clients utilize this program to eliminate unnecessary life insurance expenses for themselves and their spouse, to generate additional retirement income by accessing the cash value on a tax-free basis, and to implement the ULTIMATE ESTATE PLANNING STRATEGY.

Corporate clients utilize this program to provide all these benefits to their top executives and partners with ZERO out of pocket expenses to the corporation and the employee.

Example: Client B is 50 years old, in good health, with a net worth of $15 Million. C3 establishes a new $15 Million Policy with a strong, AA rated insurer, replacing a previous $5 Million policy that was costing the client unnecessary yearly premium payments. The policy will be funded with 7 equal, yearly premium payments of approximately $925,000 per year by one of our international finance partners. The cash value of the policy is expected to grow at a historical (25 years) average rate of 12% per year, without any downside risk to the cash value (due to the minimum yearly return of no less than 1% per year and no more than 18% per year). The cost of financing the premiums is 1.75% per year, which means that the net cash value of the policy (over $6 Million) is expected to grow at a net of approximately 10% per year (12% - 1.75% = 10.25%), which means there is a significant amount of room for error*. The growing cash value will be available to Client B on a tax-free basis as retirement income in approximately 6 to 8 years. As the cash value grows beyond the original death benefit amount of $15 Million in time, the client can either enjoy the additional retirement income or allow for a larger death benefit to cover estate taxes. The plan is flexible, depending on the future needs of the Client.

*This program produces outstanding results and very happy clients when a net return of only 2% or 3% per year is achieved, considering that the Client does not have any out of pocket expenses. The net expected returns of this program have evolved in the last few years, because the program managers continue to optimize every area of this proprietary structure to maximize expected proceeds and to eliminate any unnecessary costs.

Contact us at info@capitalconsultingco.com to find out which financed life program is perfect for you. Minimum health, age, and net worth requirements will determine which program is right for each client.