Most high-net-worth estates are concentrated in illiquid assets: real estate, private equity, farmland, family businesses. When the second spouse dies, a 40% federal estate tax bill arrives, due in nine months. Without a strategy, heirs face forced liquidation, fractured ownership, and an eroded legacy.
Start a Discovery ConversationEvery engagement follows the same path, and your CPA and estate attorney are welcome at every step.
An education session
Built around your estate
Carrier selection and underwriting
Ongoing review
Why It Matters
Delivering $20M of liquidity to an estate can cost the full $20M, or more. Structured life insurance can deliver the same cash for a fraction of that.
§6166 interest accrues over 14 years, with an IRS lien on all assets. Premium financing net out of pocket is typically 6–7% of total premium.
| Pay Cash | $20M | dollar for dollar |
| Sell Assets | $20M+ | plus discounts and taxes |
| §6166 Installment | ~$26M | 14 years of IRS interest |
| Life Insurance | ~$6M | total premiums |
| + Premium Finance | ~$1.4M | net out of pocket |
Illustrative figures. Actual costs vary by age, health, estate size, carrier, and financing structure.
No. We are independent, with access to the full insurance marketplace, no quotas, and no captive products. Carrier selection is driven by what fits your situation.
Yes, and we prefer to. Our process is built to be advisor-friendly, and many of our engagements start with an estate attorney or CPA bringing us in.
It is an education session. We walk through how the estate tax and the liquidity options work, look at your situation with your advisors, and map the exposure. There is no cost and no obligation.
Yes. We have premium finance relationships in place, which can reduce the out-of-pocket cost of a strategy to a fraction of the premium.
A confidential, no-obligation discovery conversation. We educate first. We advise always. We never pressure.
Schedule a Discovery Conversation