DISCLOSURES

Cayman Capital offers individualized custom Insurance Products for Estate Planning including Charitable Lead Trust, Charitable Remainder Trust, Charitable Remainder Unitrust, Gift of Life Insurance, or combining Retirement Planning and Charitable Giving.

To the knowledgeable tax professional, life insurance as an asset class is a versatile cornerstone of estate planning, and many other tax planning strategies, offering everything from retirement income and diversification of investment value, to funding a charitable annuity trust, special needs trust, or facilitating the profitable transfer of business ownership. Life Insurance-The-Powerful-And-Despised-Tax-Shelter.pdf

Tax laws relating to these insurance strategies are complex.

  • The advantage of Financial Engineering is often applied when a proprietary or non-proprietary premium finance life insurance design needs a framework for compliance as a tax benefit for the client or for a trust or estate plan.
  • Financial Engineering is the application of mathematical techniques to solve financial problems as well as to devise new and tax compliant customized innovative financial products.
  • Financed insurance INCOME MULTIPLER DESIGNS are a very specialized area of expertise. It’s just math not magic.
  • Enhanced Income Multiplier Designs for a Maximized Savings Plan can typically boost your future retirement or supplemental cash accumulation by at least triple the amount of money in the account than if the premiums were not leveraged for accelerated growth.
  • Cases that lack the proper customized design appropriate for the needs and suitability of the client typically do not have the ability to survive and many are not serviced to achieve competitive rates.
  • Policies must be designed to apply a customized financed insurance leveraging formula prudently and appropriately.
  • Insurance Structured Tax Strategies are Regulated by IRS Codes.
  • ​​Premium finance insurance enhanced income designs require strict adherence to many tax rules. Designs not in compliance or are vague and lacking clearly defined details can be subject to IRS audit and may lose all tax benefits.
  • Premium financing is a complex insurance transaction, and when implemented in a proper manner, can be an impressive tool as a specialized tax strategy that allows the client to have more money to invest while presenting for the client a tax-free plan for future income.
  • In some cases, income may be tax-deferred such as with structured finance design solutions for Capital Gains Strategies.
  • Cayman Capital has partnered with certain highly talented financial services companies that have considerable specialized expertise in applying optimum premium finance loan parameters, with their proprietary and non-proprietary customized financial engineering designs.
  • Cayman Capital will meticulously analyze all requested financially engineered premium finance designs before presenting to the client.
  • Customized safer enhanced income premium financed designs, with the confidence of tax compliance, prepared for our clients’ particular circumstances and overall personal financial plan, is what Makes Us Unique. 

We strive to choose the case design with the best beneficial impact for the client. We evaluate ​for tax compliance and for tax consequences and the client’s suitability as a criterion for the best strategy design that would be the most appropriate fit. The most appropriate customized case design is typically optimized to present Leveraged Savings with accelerated compounding, to produce the Maximum Growth required to generate a maximized TAX-FREE INCOME for life. Financed Insurance Enhanced Income Multipliers average 75% but can be less or more, dependent on the best tax-advantaged design for the clients’ individualized circumstances. Click On:   Are You Saving Enough?