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High Value Protection, Preservation & Proliferation Solutions

We support our global high net worth and ultra high net worth clients seeking bespoke succession & wealth planning solutions with High Value Protection, Preservation & Proliferation Solutions. We also enable them to utilise the accumulating value component as their own infinite banking system within the framework of their High Value Protection, Preservation & Proliferation Solutions (life insurance) policy, providing control and financial flexibility.




Who Can benefit?

Ultra/High Net Worth Individuals

Life insurance is critical for High Net-Worth Individuals (HNIs) to create, protect and safely transfer their accumulated wealth.

Families with liquid assets

A High Value Protection, Preservation & Proliferation Solution can ensure that beneficiaries efficiently receive proceeds due to them without having to sell their illiquid assets during unfavourable conditions.

Business Owners

Business owners can protect their businesses to ensure they can continue to operate and maintain their value in the event of their passing. Take the worry out of your business succession.

Entrepreneurs

High Value Protection, Preservation & Proliferation solutions offers entrepreneurs a versatile financial tool to protect their loved ones and business interests. Beyond providing a safety net for their families, this solution  can serve as a tax-efficient investment vehicle through infinite banking, offering potential cash value accumulation and supplemental retirement income. All while building a dynasty worthy legacy.

Why High Value PPP solutions?

Legacy and succession planning

Legacy and succession planning

Legacy and succession planning

Preserve the value of your estate by providing liquid funds for dependents or a spouse, to pay for any taxes, fees or debts outstanding upon death. Life insurance can help create, increase or preserve wealth to ensure fair and equitable distribution of your estate.

Wealth preservation

Legacy and succession planning

Legacy and succession planning

Seen as an alternative asset class that can generate cash in the future, life insurance is one of the few assets with a guaranteed value and predictable cost. It offers value by providing both peace-of- mind now and potential death benefit payments later.

Charitable giving

Legacy and succession planning

Charitable giving

By either gifting a policy outright or naming a charity as the beneficiary, donors can provide the charity of their choice with a large sum of money and provide a legacy for a cause they believe in.

Business continuity

Inheritance tax planning

Inheritance tax planning

Without a business survival plan, the consequences for a business owner’s employees, customers, family and estate can be devastating. Life insurance can help mitigate these risks by serving as a funding tool for your plan.

Inheritance tax planning

Inheritance tax planning

Inheritance tax planning

A life insurance policy can serve to protect your heirs from inheritance tax or property gains tax for assets within your estate. It can also provide income tax benefit through tax deduction, and in some cases, tax exemption with the right guidance from a qualified tax professional.

Key Person protection

Key Person protection

Key Person protection

In the event of the loss of a key employee, a life insurance policy can provide a business the cash flow it needs to keep it running. The policy provides the cash needed to hire a qualified replacement, purchase the additional human capital or assets necessary to keep operations intact and help replace lost profits.

Infinite banking

Key Person protection

Key Person protection

Infinite Banking, also known as the Infinite Banking Concept (IBC), is a financial strategy that leverages your High Value Protection, Preservation & Proliferation Solutions (Universal Life Insurance) Policy as a personal banking system. High Value Protection, Preservation & Proliferation Solution, with its flexibility and accumulating value, can serve as an effective tool for Infinite Banking. By utilising the accumulating value component, policyholders can borrow against it to fund various financial needs, acting as their own source of financing. This approach empowers individuals to create a cycle of savings, investments, and debt repayment within the framework of their life insurance policy, providing control and financial flexibility.

“The best protection plan is the one that pays you the most, when you need it the most"

Unlocking Financial Security: The Importance of HVPPPs

In the ever-changing landscape of financial planning, individuals are continually seeking robust strategies to secure their future and protect their loved ones. High Value Protection, Preservation & Proliferation Solutions stands out as a versatile and powerful tool, offering a unique blend of insurance and investment features. This article explores the benefits of universal life insurance, emphasising its significance in ensuring financial stability, and underscores the importance of initiating a policy sooner rather than later.

Understanding High Value Protection, Preservation & Proliferation Solutions

High Value Protection, Preservation & Proliferation Solutions is a type of permanent life insurance that provides a death benefit to beneficiaries while also accumulating a cash value component. What sets it apart from other life insurance options is its flexibility, allowing policyholders to adjust the premium payments and death benefits to suit their changing needs.

High Value Protection, Preservation & Proliferation Solutions.

  • Flexible Premiums: One of the key advantages of universal life insurance is its flexibility in premium payments. Policyholders can adjust their premiums within certain limits, enabling them to navigate financial uncertainties or capitalise on investment opportunities without jeopardising the coverage.
  • Accumulation of Cash Value: High Value Protection, Preservation & Proliferation Solutions policies build cash value over time, acting as a tax-advantaged investment vehicle, your personal Infinite banking system. The accumulating value grows at a tax-deferred rate, providing a valuable source of funds that can be accessed through policy loans or withdrawals for various financial needs, such as education expenses or supplementing retirement income.
  • Death Benefit: High Value Protection, Preservation & Proliferation Solutions guarantees a death benefit to beneficiaries, offering financial security to loved ones in the event of the policyholder's demise. This provides peace of mind, knowing that there is a tax-free payout to cover outstanding debts, funeral expenses, and maintain the family's standard of living.
  • Estate Planning: For high-net-worth individuals, High Value Protection, Preservation & Proliferation Solutions  serves as a crucial component of estate planning. The death benefit can be used to offset estate taxes and ensure a seamless transfer of assets to the next generation.

The Importance of Starting Your Policy Today

Cost-Efficiency

The cost of life insurance generally increases with age. By initiating a universal life insurance policy at a younger age, individuals can secure coverage at a more affordable rate, taking advantage of lower premiums and potentially locking in insurability before health issues arise.

Time for Cash Value Accumulation

The accumulation value component of universal life insurance takes time to grow. Starting a policy early allows for more significant accumulation of cash value, providing a solid foundation for future financial endeavours.

Long-Term Planning

Life is unpredictable, and unforeseen circumstances can arise at any time. By starting a universal life insurance policy today, individuals lay the groundwork for long-term financial planning, ensuring that they are well-prepared for the uncertainties of the future.

"Creating predictability, in an unpredictable world"

HVPPPs stands as a powerful tool in the realm of financial planning, offering a unique combination of protection and investment opportunities. Its flexibility, cash value accumulation, and death benefit make it a valuable asset for individuals seeking comprehensive coverage. Starting a universal life insurance policy today not only ensures cost-efficiency but also allows for the maximisation of the policy's benefits over time. As the adage goes, 

"The best time to plant a tree was 20 years ago, the second-best time is now." 

Similarly, securing your financial future through a universal life insurance policy is a decision that pays dividends when initiated today.

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Proven track record of successfully placing policies at the best underwriting class - 

Cover available ranges from USD 1m to USD 200m

Capability to offer protection solutions in over 150 countries

Solutions offered by some of the world's largest, well-established & highly rated Fortune 500 financial institutions

Confidential, highly regulated with policyholder protection

Infinite Banking specialists

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