Case Study Details


A 66-year-old client was a 50% shareholder in a real estate management company that owned just over 900 apartment units. He knew that his son would need to liquidate one or more of the buildings upon his passing to pay the anticipated estate tax bill. He and his son both wanted to retain all income-producing properties and find another way to prepare for the potential estate tax implication.


Using a premium financing program, the father acquired an $11M life insurance policy on himself leveraging several of the real estate holdings within the portfolio.


The life insurance was acquired using a unique strategy where illiquid real estate holdings were leveraged. This allowed our client to obtain the desired life insurance coverage without interruption to personal or business cash flow. The policy is held in an irrevocable life insurance trust outside of his estate and will provide tax free dollars that will be used towards the projected estate tax liability upon his passing.

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