LIFE INSURANCE CASE STUDIES

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Case Studies
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We’re dedicated to finding life insurance solutions that work for high net worth clients. We work with professional introducers including IFAs, wealth managers, trustees and private bankers.

Here are a few case studies of life insurance projects we’ve had the privilege to work on.

  • Lombard Loan to Buy Life Policy for HNW Client
    Lombard Loan to Buy Life Policy for HNW Client

    A Swiss-based professional investor was looking to leverage her existing portfolio to secure a higher retirement income. Using a Lombard loan from a private bank we put in place additional retirement income by leveraging her existing portfolio to buy a life policy.

    Introduction

    A 55-year-old British female expat working in Switzerland wanted to provide more income for retirement.

    Using her existing investment portfolio as collateral, we secured favourable lending terms from a private bank in order to buy a life policy designed to provide a steady stream of income to supplement her existing pensions.

    The client's adviser chose the Capital for Life Income for Life Conservative Strategy as the best solution to solve the client's needs.

    Key Planning Points

    • ​Provide more retirement income by leveraging existing assets
    • Take advantage of cheap interest rates
    • Existing portfolio yield covered the Lombard loan interest costs
    • No set up or Lombard loan exit costs
    • Capital protection and investment performance guarantees in the new life policy to lower her retirement income risk
    • Future income and bonuses to be used to repay the borrowing over next few years.
    • Potential to pass on the life policy proceeds to other family members and benefiaries.

    The client was delighted with the proposal from her independent financial adviser. A $1m borrowing facility was arranged and $200,000 a year for 5 years was drawn down and invested into the Income for Life Conservative Strategy.

    Result

    • At age 65 the client planned to withdraw $50,000 a year from the new policy to supplement her retirement income
    • Asset backed leveraged allowed client to take advantage of cheap borrowing and solid investment returns within the life policy.
    • 70% loan to value achieved against existing portfolio of mutual funds, stocks and bonds.
    • Investment strategy of new life policy diversified risk and complemented her existing portfolio

    Conclusion

    The adviser had never previously used life insurance to provide a client with income. The clients high earnings and future bonus potential allowed a high loan to value against existing assets.

    Meanwhilet the client liked the in-built guarantees of the life policy and the security of the low risk portfolio that would be used to supply her with additional income when she retires.

    Contact Us

    If you are a professional adviser contact us at enquiries@capitalforlife.com and see how we can help you protect and provide for your high net worth clients with our comprehensive range of international life insurance solutions.

  • UK Inheritance Tax Cover for HNW French Banker Buying London Property
    UK Inheritance Tax Cover for HNW French Banker Buying London Property

    French national with London property worth £7m needed UK inheritance tax cover. The client also planned to buy an apartment in Paris and needed to save for his retirement.

    We were introduced to a high net worth client with a London property valued at £7m looking to cover his UK inheritance tax exposure.

    Conclusion

    If you are a professional adviser contact us at enquiries@capitalforlife.com and see how we can help you protect and provide for your high net worth clients with our comprehensive range of international life insurance solutions.

  • UK Expat Saving for Retirement and Needing to Protect her Young Daughter
    UK Expat Saving for Retirement and Needing to Protect her Young Daughter

    A British female expat working in the Middle East was looking to save for retirement and wanted to financially provide for her young daughter.

    Introduction

    A 49-year-old British female expat working in the Middle East aiming to retire at 60 and wanting to protect her young daughter.

    She had a new job with the ability to save a high amount of her annual tax-free salary. She planners to work for 5 more years and then review her options.

    The client's adviser chose the Capital for Life Income for Life Growth Strategy as the best solution to solve the client's needs.

    Key Planning Points

    • ​Retirement income at 60
    • Invest in stock market growth but with no potential for losses.
    • Capital protection and guarantees lowered the investment risk across her investment portfolio.
    • Tax free growth.
    • Protect and provide for her young daughter in case of her own premature death with a lump sum death benefit.

    The client was delighted with the proposal from her independent financial adviser. She invested $340,000 a year for 5 years into the Income for Life strategy.

    Result

    At age 60 the client can draw $85,000 a year from the policy to provide a retirement income.

    In addition, the life policy gives her $5.1m of life cover to provide for her daughter.

    The lump sum cash pay out will provide school fees, maintenance and a house deposit if her mother passes away early.

    The policy was put in trust for the daughter's benefit and to protect the death benefit from UK inheritance tax.

    Conclusion

    The advisers client had never considered using life insurance previously for retirement planning. She was also happy with the cover the plan provided for her daughter. Meanwhile, the adviser was able to de-risk her investment portfolio and put in place protection and estate planning at the same time with the help of Capital for Life.

    Contact Us

    If you are a professional adviser contact us at enquiries@capitalforlife.com and see how we can help you protect and provide for your high net worth clients with our comprehensive range of international life insurance solutions.

  • INSTAGRAM: SARRAMPHOTOGRAPHY
    Premier League Footballer Saving for after his Career

    An African born footballer in the English Premier League wanting to save for after his playing career ends.

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