Permanent Life Insurance

For High Net Worth Individuals Only

THE OPPORTUNITY
Acquire a Permanent Life Insurance policy for approx. the cost of Term Life.
Receive all money back, with interest, and keep the paid up policy.

HOW IS THAT POSSIBLE?
For the right individual, someone else will pay the premiums if guaranteed a return of their money plus interest.    Your cost may equal the interest only.
GREATER DETAIL

Many individuals need more life insurance than they currently have.  Some have none.  Some are paying too much.  Some don’t realize all the benefits, while others simply don’t want to pay for more coverage - especially if the cost is outside their family or corporate budget.

Where there is a need, there is an opportunity to figure out a solution.  Hesed Insurance Solutions, in conjunction with an organization that has been helping high net worth individuals for the past 10 years acquire "expensive" permanent life policies for a fraction of the normal out of pocket cost, can help free up capital that may be needed for personal or business expenses, while providing much needed financial protection plus future income.

Our policies are from the same "A-rated" life insurance companies others offer.  Each is designed to provide a fully adequate death benefit plus substantial cash accumulation.   It is also possible to acquire a policy with Living Benefits that allows the insured to receive funds from the death benefit without having to die first.  Yes, true life insurance - for Chronic illness, Critical illness, and Terminal illness.   It can pay the bills when you can't.
Our Ideal High Net Worth Client
  
* U.S. CITIZEN AGE  30 - 65
* NET WORTH = $5M +
* INSURABLE AS STANDARD OR PREFERRED

* UNDERSTANDS LEVERAGE
* DESIRE TO PROTECT FAMILY FINANCES
* DESIRES BUSINESS CONTINUATION
* WANTS TAX BENEFITS
* WANTS RETIREMENT BENEFITS
* HAS QUALIFYING COLLATERAL
* CAN EASILY AFFORD THE COST
* EASY TO WORK WITH OVER THE PHONE

ACQUIRE a NEW POLICY
or REPLACE your CURRENT POLICY
NUTS AND BOLTS
   
  • The inner workings and policy provisions of these permanent life policies allow for cash accumulation, tax-deferred growth, plus tax-free income.

  • We design the policy + premium payments to create an overfunding situation in order to help maximize the cash value of the life insurance.  

  • The funding comes from banks that expect a healthy return on their money.   LIBOR + 2 = the expected return to be paid by the policy owner.  (comparable in cost to term life insurance for a policy of the same size)

  • In the event of the insured's early demise, the bank is paid off in full from the death benefit.  What remains is distributed as tax-free benefits to the family, business, charity, etc.. 

  • If the insured does not die, then the bank receives payment in full from the growing cash value.  The remaining cash value belongs to the policy owner.

  • This walk-away cash value may be significantly more than what the policy owner paid for years as his/her share of the costs; thereby realizing another source of income or an ongoing income stream during retirement.

HESED Insurance Solutions is extremely pleased to offer this high leverage opportunity with tremendous savings potential to those who qualify.
INCREASE YOUR ESTATE BY MILLIONS AS SOON AS THE POLICY ISSUES

CREATE AN ADDITIONAL
6 or 7-FIGURE INCOME

  
WE WILL WORK WITH YOUR CPA
ATTORNEY OR ADVISOR​​
•  Not FDIC insured    •   May lose Value   •   No Bank or Credit Union Guarantee
•  Not a Deposit   •   Not insured by any federal government agency or NCUA/NCUSIF

WHO DO YOU KNOW
THAT WANTS
MILLIONS FOR PENNIES ON THE DOLLAR?