Alpen Asset Advisors arranges financing of premiums for Jumbo Insurance, a high value lifelong insurance policy.

Objectives
Family Liquidity/Security

Provides immediate liquidity and cash flows for the financial support of families.

Estate Equalization

Equitably distributes wealth between family members who are involved in the business and those who are not.

Asset Protection/Wealth Creation

Protects current assets and acts as a means of wealth creation.

Philanthropy

Maintains the support of philanthropic activities even after one’s lifetime.

Buy/sell agreement

Ensures the provision of liquidity to the surviving partner to buy the shares from the family of the deceased partner, thereby promising control and ownership of the business.

Key Man Insurance

Securing insurance for the key person in the organization to guarantee liquidity for the transfer of business acumen to the successor.

KEY FEATURES

  • Single premium / Multipay
  • Minimum guaranteed crediting rate into the policy
  • Offshore Trust ownership
  • Premium financing availability
  • High LTV: Up to 100% loan against the policy surrender value
  • No requirement for personal guarantees
  • No additional private banking assets may be required from the client.

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