Heirmark® – Redefining the way affluent families, advisors and business owners acquire life insurance.

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.