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Privately Negotiated Life Insurance, Asset Transfer & Financial Privacy

Privately Negotiated Life Insurance, Asset Transfer & Financial Privacy. Privately Negotiated Life Insurance, Asset Protection and Client Privacy Fiduciary Wealth Consultants Serving Trusted Advisors & Private Clients. Unique Selling Proposition.

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Privately Negotiated Life Insurance, Asset Transfer & Financial Privacy

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  1. Privately Negotiated Life Insurance,Asset Transfer & Financial Privacy Privately Negotiated Life Insurance,Asset Protection and Client Privacy Fiduciary Wealth Consultants Serving Trusted Advisors & Private Clients

  2. Unique Selling Proposition Artisan Wealth provides UHNW families, individually or through fiduciary cooperation with their trusted advisors, privately negotiated customized life insurance (and private equity opportunities) with the highest tax-efficiency and privacy allowed.

  3. Fiduciary Standard Financially independent individuals don’t rely on pre-packaged plans and off-the-shelf options. They engage talented professionals to listen to their needs and then craft a customized financial plan that fits their unique circumstances. We work directly with UHNW, and their trusted advisors, to determine their needs and then craft a contract consistent with the family’s overall financial goals

  4. Primary Instrument For our client niche, we believe the concept of privately negotiated cash value life insurance is the perfect plan of action. In addition to providing tax free cash in the event of death, cash value life insurance also makes available: • The most efficient investment vehicle available – open platform advisor choice • Access to cash from the contract assets • Transition of the contract assets both income and estate tax free

  5. Competitor Limitations • Pre-packaged product/ policy, and not customized/ privately negotiated • Large commission expense (50-150% of entire first-year premium) • High surrender costs/ tax-consequences • Lack of fee/ investment transparency • Limited choice of Insurance Dedicated Funds (IDFs) -- Insurance Company determines Asset Managers and Fund choices (usually low-alpha or inflexible) • Inability of contract holder to track timely performance (IDFs typically do not have CUSIP numbers and their performance cannot be tracked by policyholder like non-IDF funds can. Insurance Companies usually provide policy-holder with a monthly statement indicating change in CV) • Poor integration of insurance contracts into overall investment/ legal strategy (traditional methodology backwards/ old-paradigm )

  6. Private Contract Life (PCL) Benefits of PCL • Negotiable fees • Dominant global reinsurer • Private, simple and cost effective • Virtually unlimited customization • Legally compliant across desired jurisdictions • Advisor and/or portfolio manager control • Negotiable tax-efficient access to cash value

  7. Benefits of PCL Cash value life insurance enhances provides the following: • Tax-free death benefit • Creditor protected structure • Transparency of all fees and costs • Tax-free accumulation on cash value • Tax-free access to the accumulated cash value • Transition of wealth both income and estate tax free • Choice among assets classes and portfolio managers • Designed to be compliant across legal jurisdictions

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