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Policy Loan Rescue

Reduce or eliminate a policy loan. The cash value and loan balance of an existing policy may be transferred to a new policy. Under the new policy design, the loan may be repaid overtime using internal policy cash values. This is a great “fix” for many older policies that have accumulated large policy loans, with loan rates that are much higher than the prevailing loan rates in new product options. 

Case Studies

  • Life Insurance Policies with Loans

    Client, age 65, has multiple whole life policies with accumulated loans. The loan rates are much higher than the dividend rates. The loans have become a drag on policy performance, which could cause a phantom income tax problem, if the policies lapse.

    • Read Case Study
    • See Concept
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What's in a Name?

New year.  Big change.  For over a year now, we’ve been hard at work behind the scenes, undergoing a complete brand overhaul to refine our practice.  It has been like shaking a snow globe upside down, turning it right-side up, and watching the snowflakes swirl about.  Chaos at first, but then the snowflakes start to come together, and everything seems to fall in just the right place.

READ FULL UPDATE

 

News

Legislative Alert

On September 13, 2021, Chairman Richard Neal (D-MA) of the House Ways and Means...

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Quick Fact

The placement of your policy marks the beginning, not the end of your relationship with us.  

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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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