A Strategic Partner To Your Advisory Team
Partnering with Succession Capital Alliance gives the support of a deeply
experienced team and exclusive access to an extraordinarily effective program
that has successfully placed close to $60B of life insurance since 1996.
Our customized Capital Maximization StrategySM delivers a powerful, flexible and efficient option for permanent life insurance premium payments.
Intelligent Leverage™
The core of our Capital Maximization Strategy℠ is financing policy premiums through a custom loan tailored to your client’s unique circumstances and objectives.
Intelligent Leverage™ can:
- Reduce immediate out-of-pocket cost and leverage the policy’s internal value
- Liberate cash and capital for existing or emerging opportunities
- Mitigate gift tax exposure for trust-owned policies
- Increase the policy’s death benefit and IRR on cash value
We are not a transaction-oriented firm
Our business is long-term planning, and our most valuable asset is our long-term relationships with advisory teams and their HNW clients.
Estate Planning
For high-net-worth clients who have an estate planning need, life insurance premium financing would add value in the following scenarios:
- The HNW client who wants to add additional life insurance into a trust but has limited cash flow due to funds being tied up in investments that need time to mature or there are restrictions to access.
- The HNW client that wants to leverage gift tax strategies by having only the annual interest payments be considered transfers to an irrevocable trust rather than the full premium amount.
- Premium financing as part of the HNW client’s charitable giving plan.
SCA is the trusted specialist for advisory teams and their high-net-worth clients. We take time to understand the clients’ unique goals and create personalized solutions.
Business Planning
For high-net-worth clients who have an business planning need, life insurance premium financing would add value in the following scenarios:
- Clients who are looking to transition from active management of his/her business in the near future and/or will be considering a sale of the business.
- A closely-held business that has cash invested in capital that will eventually generate significant revenues, but a business continuation plan needs to be funded in case of an unforeseen emergency.
- Business partners that have grown their firm and run it together, and want a comprehensive contingency plan should one of them die.
CUSTOM SOLUTIONS TO STAND THE TEST OF TIME
Each client requires a unique plan reflecting their capital, income, business, tax, estate, and charitable objectives. In collaboration with Advisory Teams, SCA tailors custom plans to achieve each client’s goals.
Inforce Life Insurance Restructure
For Advisory Teams who realize their HNW client’s need for an inforce policy restructure, life insurance premium financing would add value in the following scenarios:
- Most of our HNW clients already own large amounts of life insurance; however, that life insurance is typically insufficient, underfunded, owned incorrectly, and is ultimately not serving the client’s complete needs.
In the aftermath of the 2009 credit crisis — many financing programs left the marketplace, and many lenders called their loans, but we continued to serve our clients and their loans.
Succession Capital Alliance is not a transaction-oriented firm. The business is long-term planning, and the most valuable asset is long-term relationships with Advisory Teams and their Clients. Throughout the past 25+ years, SCA has built a team of experts who have continually refined, enhanced, and integrated CMS with advanced insurance that stand the test of time.
SCA regularly monitors each Client’s life insurance plan and portfolio to ensure that performance expectations are met to anticipate events and trends which may impact the plan and to recommend changes that will protect or improve every Client’s position. SCA will be there, year after year, to support Advisory Teams and their Clients.