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Life Insurance Leveraged Planning

Seperium introduces an innovative program to purchase a permanent, Indexed Universal Life (IUL) Insurance policy for less than the cost of a Term Policy. Our Leveraged Planning Solution (LPS) Program is custom tailored to fit the needs of a qualified business or individual borrower.

Whether your business is looking to fund an executive compensation program, insuring key persons, offering or upgrading a group life program, setting up buy sell agreements, or creating a charitable giving program, our LPS will help your business maximize and cover your insurable needs while allowing the business partner(s) to reinvest more dollars back into your business or wealth portfolio.

With our leveraged strategy, individuals can utilize LPS for estate planning protection, income replacement, asset protection, retirement, and charitable giving, allowing individuals to build on their wealth portfolio without liquidating assets or diverting after tax dollars to pay for costly premiums.

Life’s Legacy

Millions of Americans make donations of cash and property to the charities of their choice each year. However, while these donations can provide valuable tax deductions, many donors are left wishing that they could do more for the charities that they love and support.

Some donors would, therefore, be wise to consider using a life insurance policy as a more effective means of leveraging the support they desire to provide. In many cases, this can be the most effective and convenient asset that they can donate.

Donors who wish to leverage their cash donations to charity can use life insurance as an excellent means of accomplishing their goal. By naming a charity as beneficiary, they can provide the charity of their choice with a large sum of money that can provide a lasting “Life’s Legacy” for a cause that they believe in.

Our Leveraged Planning Solution (“LPS”) is the most effective way to accomplish life insurance charitable giving goals:

• It maximizes flexibility in the design and implementation of a life insurance based premium financing strategy
• A life insurance based premium financed strategy allows donors to finance premiums through a FDIC bank loan.

Benefits

• Highly useful to donors who do not wish to liquidate assets, divert assets or access after-tax dollars to achieve charitable giving legacy goals
• Allows donors to borrow at a LIBOR based rate while retaining money that would have been spent on costly premiums, thus enabling donors to continue to reinvest money back into their business and/or wealth portfolio yielding much higher return on investments
• Our LPS design reduces related expenses compared to conventional charitable giving structures