In order to retain and reward key executives, companies often need to provide additional benefit plans beyond stock-option and other equity-based benefits.

Provides excess or supplemental life insurance to a select group of employees with no earnings impact to the company. Employee cost is less than personal term life insurance.

A Secured Incentive Plan (SIP) leverages a company loan structure to lock-in the low interest rates while allowing the executive participant to own 100% of their benefits.

We focus on company-paid long-term care plans to provide a paid-up benefit for plan participants to take into retirement. 100% of these benefits are delivered tax-free.

We identify shortfalls in group disability plans as well as replace income not covered because of plan monthly maximums (e.g. $15,000 per month Group LTD maximum).

We use institutional and proprietary life insurance products to fund corporate liabilities as well as provide enhanced earnings for short-term and long-term investments.