Do You Have Clients That Look Like This?
•   Have a need for life insurance
•   Have high net worth
•   Desire flexibility
•   Face high life insurance premiums
•   Need to minimize their gift taxes
•   Are illiquid and/or desire to preserve assets for other purposes
•   Wish to minimize the out-of-pocket assets pledged as collateral, or minimize the cost of the letter of credit as part of financing

Athena Indexed Universal LifeSM with the Cash Value Plus (CVPlus) Rider has potential for cash value growth in both early and later years. This cash value can provide much-needed flexibility in a commercial premium financing arrangement:
•   Help Minimize Collateral – The opportunity for high cash value relative to the premiums paid reduces the need for additional collateral.
•   Potential Exit Strategy – Cash value can provide funds to help reduce and in some cases repay the premium financing loan in the future.
•   Opportunity for Favorable Arbitrage – Upside potential of cash value can provide a very good hedge against a lender’s loan interest rate.
•   Potential source of funds – Can pay loan interest.

Continue reading for a case study. For fast help with your tough life cases, contact one of our advanced markets experts at (800) 936-0339 option 1.