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  • An Uninsurable Partner? No Problem.
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Client Profile:

Desire to Fund the Buy-Sell
One Partner (or More) Not in Good Health

Problem:

Business owned by four partners. After underwriting all four partners, it is determined that one partner is uninsurable. The unhealthy partner that cannot qualify for life insurance is statistically likely to die first. How can the other partners plan for funding the buyout of the unhealthy partner?

Solution:

Utilize permanent life insurance on the lives of the insurable partners to fund the buyout of the uninsurable partner. The cash value within the permanent policies grows on a tax-deferred basis. This build-up of cash values creates a source of capital for at least a partial buyout of the uninsurable partner. It can be accessed tax-free (when properly structured), or if loan rates are attractive at the time of death, the cash value can be pledged as collateral against a loan.

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Disclaimer

HEIRMARK, LTD and its agents are presently licensed to sell traditional life insurance in the following states: AR, AZ, CA (#0G32030), CO, FL, GA, MN, MO, MT, OH, PA, TX and VT

NOTE: HEIRMARK, LTD Insurance services are limited to residents of the above listed states. Residents of other states should consult with a local agent for insurance service. Variable life and annuity products, as well as other securities products, may be sold in the following states: AR, AZ, CA (#0G32030), CO, FL, GA, MN, MO, MT, OH, PA and VT. Securities products are offered to residents of the above listed states. Residents of other states should consult with a local registered representative for securities products.

 

Securities and Investment advisory services offered through M Holdings Securities, Inc., a registered broker dealer, member FINRA/SIPC. HEIRMARK, LTD is independently owned and operated. HEIRMARK, LTD is a member of M Financial Group. Please go to mfin.com/DisclosureStatement for further details regarding this relationship.

For important information related to M Securities, refer to the M Securities’ Client Relationship
Summary (Form CRS) by navigating to https://mfin.com/m-securities.

Check the background of this Firm and/or investment professional on FINRA's BrokerCheck.

3410208.1


Heirmark®  Logo
  • Working with Heirmark
    • Overview
    • Our Philosophy
    • Underwriting Edge
    • Service Commitment
    • M Financial Group
    • Clients
    • Partnering With Us
  • Services
    • Overview
    • Business Planning
    • Personal Planning
    • Insurance Policy Audits
    • 20/20 Insurance Reviews
    • Life Settlements
  • Strategies
    • Overview
    • Personal
    • Business
  • About Us
    • Overview
    • Process
    • Our Team
  • News
  • Contact Us
  • Twitter
  • LinkedIn
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