The Strategy Library.

A strategy where a third‑party lender funds the premiums on a large life insurance policy — usually held inside an irrevocable trust — so a high‑net‑worth client can secure the coverage they need without liquidating assets or straining cash flow.

An irrevocable trust that owns a life insurance policy on the client's life — so the death benefit passes to heirs outside the client's taxable estate, free of estate tax and probate, with the client controlling exactly how and when beneficiaries receive the money.

A strategy where life insurance policies on each business owner provide the guaranteed, tax‑free cash needed to execute a buy‑sell agreement at a partner's death — so the surviving owner can buy out the departed partner's family without a loan, a forced sale, or an unwanted new co‑owner.

A permanent life insurance policy deliberately funded for cash value rather than death benefit, used as a supplemental tax‑advantaged bucket: the cash value grows tax‑deferred with returns linked to a market index but protected by a floor in down years, and — structured correctly — can be accessed in retirement tax‑free through policy loans and withdrawals.

A strategy that uses permanent life insurance held outside the estate — usually inside an irrevocable trust — to create tax‑free liquidity for estate‑tax exposure that survives even a historically high exemption, to hedge against a future reversal of that exemption, and to lock in a client's insurability and pricing while they are healthy and the rules are favorable.