SOLUTIONS
INDIVIDUALS AND FAMILIES
BUSINESSES
The structure of a life insurance as an "asset class" makes it possible to:
- Secure protection by contributing only a percentage of the liquid assets.
- Recover the investment and receive a significant amount in the future that increases the net worth value.
- Protect the assets held within this solution in terms of tax, legal, and stock market matters.
Our solutions are developed through a consultative process that identifies the needs, priorities, and context of each client, family, or business. For example:
Retirement Plans
This solution is used to gain death protection while taking full advantage of tax deductions in retirement contributions. These plans can consist of life insurance and/or annuities.
Gradual Wealth Transfer
Proper estate planning allows you to take advantage of opportunities to increase its value and avoid experiencing significant losses. By using an "asset class" within the existing business portfolio, the benefits of protection, tax, legal, and stock market matters can be simultaneously leveraged.
Inheritance Equalization
This solution makes it possible to equalize the value of a business or property that is inherited by a particular family member, by using a life insurance policy to ensure that other heirs receive an equitable portion of the assets.
Asset Repositioning
The value of an estate can deteriorate over time due to various risks such as market fluctuations, devaluation, inflation, depreciation of real estate, increased tax burden, etc. It is possible to recover and increase the value of the estate through a protection asset.
Executive Bonus
It is an attractive incentive to attract and retain talented executives in the company, selectively assigned to key employees who then determine their beneficiaries. Bonus payments are fully deductible for the company and access to tax-free cash value is facilitated through loans and withdrawals.
Key Person Protection
It focuses on protecting individuals who make a special contribution to generating value in the company through their experience, knowledge, skills, and relationship-building abilities, by avoiding the impact of losses due to sudden death and the high costs of replacement.
Buy-Sell Agreement
It protects the partners of a company and their family members in the event of the possible death of one of the business partners, allowing the founding partners to maintain ownership control among themselves, avoiding indebtedness and maintaining liquidity, while compensating the family members of the deceased partner. This is achieved through a legally binding agreement that outlines the terms and conditions of the transfer of ownership in the event of death or other triggering events.
It is an advanced financial solution used to facilitate the acquisition of a high-value life insurance policy by using loans from a financial institution, which allows for
- Immediate protection through an asset class that increases in value over time.
- Maintain liquidity while the assets in your investment portfolio grow.
- Make the most of tax, legal, and stock market advantages.
Benefits of Premium Financing.
- The loan balance is covered in proportion to the surrender value of the policy.
- The death benefit or another exit strategy is used to repay the loan principal.
- El préstamo es solo por el monto de las primas. El cliente aporta con fondos propios los intereses -por adelantado o al final del año a la entidad financiera
- If the cash surrender value of the policy exceeds the loan amount, policy withdrawals can be made to pay interest.
- Additional collateral beyond the surrender value of the policy is required.
- In addition to its value in asset protection, premium financing:
- Allows for buy-sell agreements.
- Provides liquidity for payment of taxes in estate transfer.
- Supports equalization of inheritances.
English 
Spanish