• A “no charge” High Cash Value Rider (HCVR) that provides client policies with 100% cash surrender value equal to all premium payments in the first 7 years, thereby minimizing collateral posting risk.

 

• No Personal Guarantee loans available. Which removes the loan from a corporate balance sheet or personal

financial statement, maintaining clients current level of borrowing power. (Disclaimer: No personal guarantee loans available for clients with a $5M net worth)

 

• Flexible bank lending terms with competitive lending rates: LIBOR in addition to competitive spread. (Disclaimer: One year LIBOR rates subject to change)

 

• No premium payments paid by the client.

(Disclaimer: For qualified clients only)

 

• IUL (S+P 500 Index) point-to-point cap ranging from 12.50% to 14.50%. (Disclaimer: Caps are subject to change)

 

• Very fair  first year commissions, in addition to trail income in years 2 through 25, based on the ever-increasing CSV of the policy.

 

• Tax-free withdrawals & loans available to your clients in as early as 10 to 12 years.

  (Disclaimer: CSV must be higher than loan balance.)

 

• Can be used as an Employee Retention Strategy for companies and universities who want to retain their best

employees and team members.

 

• COLI: Company Owned Life Insurance Plan = GUARANTEED ISSUE! (50+ employees)

 

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© Copyright 2017, Virtue Financial, Inc. Virtue Advisors is an insurance marketing organization based out of Nashville, Tennessee, USA and is the IMO/FMO and sister company of Virtue Capital Management, LLC , a SEC registered investment advisory firm—both entities form the parent company Virtue Financial. All photos, content and information on this site is protected by copyright and any duplication or use without consent is strictly prohibited.

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