Seperium is a preferred provider for leveraged financed life insurance strategies for businesses and individuals seeking to maximize their insurable needs. With our extensive knowledge of insurance products and leveraged financed strategies we provide a professional level of customer service that is tailored specifically to each client.
Whether you are looking to lower your out-of-pocket payments, increase death benefits, maximize cash flow, or provide flexibility with your insurance portfolio, our experienced professionals are dedicated in giving you the most cost-effective solutions to all of your life insurance needs.
Seperium introduces an innovative program to purchase a permanent, Indexed Universal Life (IUL) Insurance policy for less than the cost of a Term Policy. Our Leveraged Planning Solution (LPS) Program is custom tailored to fit the needs of a qualified business or individual borrower.
Whether your business is looking to fund an executive compensation program, insuring key persons, offering or upgrading a group life program, setting up buy sell agreements, or creating a charitable giving program, our LPS will help your business maximize and cover your insurable needs while allowing the business partner(s) to reinvest more dollars back into your business or wealth portfolio.
With our leveraged strategy, individuals can utilize LPS for estate planning protection, income replacement, asset protection, retirement, and charitable giving, allowing individuals to build on their wealth portfolio without liquidating assets or diverting after tax dollars to pay for costly premiums.
Millions of Americans make donations of cash and property to the charities of their choice each year. However, while these donations can provide valuable tax deductions, many donors are left wishing that they could do more for the charities that they love and support.
Some donors would, therefore, be wise to consider using a life insurance policy as a more effective means of leveraging the support they desire to provide. In many cases, this can be the most effective and convenient asset that they can donate.
Donors who wish to leverage their cash donations to charity can use life insurance as an excellent means of accomplishing their goal. By naming a charity as beneficiary, they can provide the charity of their choice with a large sum of money that can provide a lasting “Life’s Legacy” for a cause that they believe in.
Our Leveraged Planning Solution (“LPS”) is the most effective way to accomplish life insurance charitable giving goals:
Benefits
Whether you are looking to lower your out-of-pocket payments, increase death benefits, maximize cash flow, or provide flexibility with your insurance portfolio, our experienced professionals are dedicated in giving you the most cost effective solutions to all of your life insurance needs.
Let's Have a ConversationThe content herein, including the discussion of any hypothetical transactions, is for illustrative purposes only and is not to be relied upon to make any investment decisions. It is not an offer to buy or sell securities. Seperium does not and is not providing any tax, legal, or accounting advice. Any person considering entering into any transaction should and is intended to perform its own due diligence. This communication does not, and the contents herein expressly do not, create any contractual, fiduciary or other relationship between Seperium and any other party. These materials and the business methods discussed herein are proprietary to Seperium.