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YOUR QUESTIONS

Why SCA? . . . Because We’re the Gold Standard

Why should I and my client consider working with Succession Capital Alliance?

Our Capital Maximization Strategy™ offers very substantial benefits to purchasers of large insurance policies. You and your client both benefit from:

  • Our experience in designing, communicating, and implementing cost-effective life insurance strategies.
  • Our credibility with major carriers and lenders—credibility you can leverage to obtain the most competitive loan rates and case designs.
  • Our proven track record—we’ve done more premium financing business than anyone else in the industry, and we know how to get cases to the finish line.
  • Our commitment to your client’s long-term success through conservative but highly flexible case designs and proactive annual reviews.

My clients can afford the premiums—why should they finance the policy?

High-net-worth clients seek to maximize the return on their assets.  We show them the difference between paying cash and properly designed premium financing using our Capital Maximization Strategy™. We compare the two options, side-by-side in a detailed but easy-to-understand manner. Your clients have the Power of Choice, based on an informed understanding of their options.

What sort of client qualifies for a customized Capital Maximization Strategy™?

The primary requirements are a) a net worth of $5 million or greater and b) a need for life insurance protection. (Premium financing is a way to buy life insurance, not a reason for buying it!) We can discuss your specific client’s eligibility in more detail.

What will my client need for collateral?

Lenders will first require your client to assign the policy to secure the loan, and if the policy cash value is insufficient may require additional collateral in the form of liquid assets. Lenders reserve the right to change the valuation and nature of the collateral over the life of the loan, so changes in lending market conditions or the value of collateral assets may also require further collateral.

Does my client have to qualify every year?

Typically your client will have to qualify annually to renew or maintain the loan, but some lenders offer an extended commitment and streamlined annual review to qualifying borrowers.

What if my client already owns permanent life insurance?

The Capital Maximization Strategy™ is not limited to new policy purchasers. We can also review existing life insurance policies—we typically find many opportunities to enhance your position by integrating CMS™ into your client’s portfolio.

How do I engage Succession Capital Alliance?

You may contact us directly to schedule a call with one of our associates.

If you already have a specific client in mind, fill out the Client/Prospect Analyzer to give us a running start on the case. . . .

You can also sign up for an invitation to our monthly webinars or explore one of our forthcoming conferences.

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