IMMEDIATE FINANCIAL ARRANGEMENTS
Insurance to Protect Your Business Needs
and Access Investment Capital.
An Immediate Financing Arrangement (IFA) (sometimes also called "Infinite Banking") is an amazing tool for incorporated business owners and entrepreneurs to secure life insurance (for their business) and utilize the policy as collateral to access new capital to further business and wealth growth.
Also known as “Infinite Banking”,
an IFA unlocks cash from life insurance.
Did You Know?
Many business owners, professionals and high net worth individuals would rather invest in their business than use cash to pay for insurance premiums.
Opportunity:
Utilizing insurance as an alternative asset class to work as an investment, plus the potential to generate income.
Who is an IFA for?
An Immediate Financing Arrangement (IFA) strategy could be the right opportunity for you!
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Life insurance needs are covered while cash is preserved for business growth.
It’s possible to get the best of both worlds – permanent life insurance coverage for estate planning or wealth
transfer without sacrificing cash flow and investment opportunities.
If you’re a business owner or incorporated professional who:
• Needs permanent life insurance to protect their family’s future.
• Doesn’t want to miss out on the potential to generate income with the money spent on premiums.
• Has an active business generating a consistent and stable cash ow, or significant passive investments.
• Is not averse to leverage strategies and willing to take risk.
Benefits of an IFA.
The opportunity of IFA
Provides an opportunity for
incorporated business owners to
obtain the permanent life
insurance coverage they need
while:
• Preserving cash for investment
or business opportunities.
• Avoiding paying tax on the
loan interest when they invest
the loan proceeds into a
business.
Even more benefits
IFA offers policy owners access to
an asset (cash values of life
insurance policy) up front via a
collateral loan.
The loan proceeds can be:
• Injected into their business to
boost cash flow.
• Parked in various income
producing investment vehicles.
• Used for other business
purposes, such as successfully
completing an acquisition.
Key features and client traits
This strategy is especially
appealing to high-net worth
clients and incorporated
professionals who:
• Want a permanent life
insurance policy but don’t want
to take money out of their
business to pay recurring
insurance premiums.
• Are eligible for a medically
underwritten life insurance
policy.
• Can comfortably facilitate
annual deposits of at least
$100,000 for 10 years.
Power of Corporate-owned Life Insurance.
Upon Death:
• Tax-free benet payable to corporation
• Credit to Capital Dividend Account (CDA)
During Lifetime:
• Long-term cash value growth
• Tax-sheltered
• Favored asset of lenders
Disclaimer:
The following information is being presented with the understanding that it is intended for
information purposes only.
The presenter (Insure Wealth Group, Inc.) , has not been engaged for the purpose of providing legal, accounting, taxation, or other professional advice.
No one should act upon the examples or information without a thorough examination of the legal/tax situation with their own professional advisors, after the facts of the specific case are considered.