Advanced Preservation Inc.

advanced wealth preservation on television
  • Home
  • About
    • About Us
    • Meet The President
  • Individuals
    • Tax-Free Income
    • Wealth Preservation and Estate Planning
    • Premium Financing
    • Personal Pensions
    • IRA, 401k & Corporate Pension Rollovers
    • Free College Money
    • New Social Security Law Affects Most Americans
    • Portfolio Management
  • Business Owners
    • Advanced Tax Savings Plans
    • Advanced Business Succession Strategies
    • Advanced Risk Protection
    • Advanced Premium Financing
    • Advanced Mezzanine Financing
    • Advanced Business Coaching
    • Advanced Tax Planning
    • Advanced Portfolio Management
  • Contact

Premium Financing

A Great Income and Estate Tax Planning Tool Using Other People’s Money

Premium financing is an advanced wealth preservation tool used by high net worth individuals in need of a large life insurance policy ($10 million or more) for income or estate planning needs. Policy holders use a bank loan to pay for the early year premiums verses using their own money. By financing the policy instead of liquidating assets, owners obtain the desired protection without high out-of-pocket costs. It’s even possible to fund an entire policy without having to write a single personal check for the annual premiums.

Here’s an example of how it works.   Let’s say Bill, age 65, wants to protect his estate from taxes with a $15m million life insurance policy. Premiums on a $15 million policy can run into hundreds of thousands of dollars a year. Rather than paying the premium directly, a commercial bank pays Bill’s premiums and Bill uses part of his stock portfolio as collateral for the loan. When done correctly, the cash value growth inside the policy pays off the bank loan and funds the policy for the rest of Bill’s life. Here’s the best news. Bill never has to write a premium check. Once the bank loan is covered, his stock is released as collateral.

Advanced Wealth Preservation works with the top banks, insurance and financial institutions for your premium financing needs. Our conservative approach combines high cash value life insurance with low-cost loans not available to the general public. We work with some of the largest and most highly-rated life insurance companies in the U.S. offering products that can provide substantial cash value accumulation. These products have historically exceeded the projected borrowing costs for the life insurance policy.

Call us today to see how premium financing can enhance your income or estate planning needs. After all, what’s better than using other people’s money.

Call: (908) 444-4599

How Can We Help?

Individuals

  • Tax-Free Income
  • Multi-Generational Estate Planning
  • Premium Financing
  • Personal Pensions
  • IRA, 401k & Corporate Pension Rollovers
  • Free College Money
ebooks-macdonald-list

College Planning

Top 25 Rated Colleges for Job Placement

Top 100 Colleges Providing Merit Aid

Annuities

Create Personal Lifetime Pensions

Annuity Upgrade Time?

Today’s Safe Money Annuity

Article Categories

Retirement Planning

Best Places to Retire in 2022

Millionaires’ Survey

Tax Planning

2022 Tax Numbers

Does Higher Income Increase Your Chance of Audit?

Call: (908) 444-4599

Advanced Wealth Preservation Inc.
7 Farmstead Rd.
Short Hills, NJ 07078

Send an Email
NEA_MEMBER_LOGO105

Copyright Advanced Preservation Inc. [READ DISCLOSURE]
Investment Advisory Services offered through Brookstone Capital Management. LLC (BCM), a registered investment advisor. Advanced Wealth Preservation and Brookstone Capital Management are independent of each other. Insurance products and services are no offered through BCM but are offered and sold through individually licensed and appointed agents. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Brookstone Capital Management. Third party ratings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client evaluation. The National Social Security Advisor certification is obtained by completing and passing a certification exam and requires biennial continuing education. The NSSA certification is not affiliated with or endorsed by the Social Security Administration or any other government agency. More information regarding the certification can be found at https://nationalsocialsecurityassociation.com.

[Financial Advisors Websites.com]