There's
real money
in selling your
life insurance capacity
•11
and real risk.
If you're over 70, you may have been approached with a "something for nothing" opportunity involving Premium Financed Life Insurance.
This is not "something for nothing", Insurance capacity is valuable. You must understand ALL of your options as well as the potential legal
and tax consequences created by many programs. Talk to Schechter to learn how to help maximize the value of your Life Insurance
Capacity. Our multi-disciplined team will help you and your advisors find ways to utilize this asset.
Generate
Transfer
Reduce
Sell
Maximize
Cash Flows Often in Excess
of Fixed Income Yields
Wealth to Reduce
Gift and Estate Tax
Costs of Existing Life
Insurance Portfolio
Unwanted
Existing Policies
Potential Value of Life
Insurance Capacity
P
Robert Schechter, MBA, CLU, ChFC • Jason Zimmerman, MBA, CLU • Marc R. Schechter . Robert M. Heinrich, JO
Paul Snider • Robert F. Boesiger, CPA, JD, LLM . Bradley K. Feldman, JO . Kelli Saperstein • liana Liss • Christopher Hale
SCHECHTER
WEALTH STRATEGIES
UNCOMMON SOLUTIONS
to Preserve, Leverage & Transfer
251 Pierce, Birmingham, MI • 248.731.9500 • www.schechterwealth.com
Securities offered through NFP Securities, Inc., a Broker/Dealer and Member RINRA/SIPC. Schechter Wealth Strategies is an affiliate of NFP Securities, Inc. and a subsidiary of National Financial Partners Corp., the parent company of NFP Securities, Inc. Neither National Financial Partners Corp. nor NFP Securities, Inc. offer
tax or legal advice. The number of bidders for a policymay be limited, proceeds from sales of similar policies may vary and may be subject to claims of creditors. Receipt of proceeds may impact eligibility for government benefits and entitlements. Prior to sale, the insured should consider the continued need for coverage, impact to
estate plans,availability of insurance, cost of comparable coverage, tax implications. There may be high fees associated with the sale of a life settlement. Premium Financing is subject to the lender's collateral and financial undenvriting requirements. Lenders typically require additional collateral during the early years of a policy
in the form of cash,cash equivalents, marketable securities,a personal guaranty or a letter of credit from a bank approved by the lender.Interests in closely held businesses and real estate are not generally acceptable collateral. Premium Financing is complex and involves many risks, such as the possibility of policy lapse,
loss of collateral, interest rate and market uncertainty„ and failure to re-qualify with the lender to keepthe financing in place and maintain the desired level of insurance protection. In certain situations, additional out-of-pocket contributions may be required to retire the debt and/or maintain the desired level of insurance
protection. A well planned exit strategyshould be in place prior to accepting any financing arrangements.
June 26 Q 200$
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