Client Wealth Protection
Strategy to enhance wealth and liquidity
Life insurance is a frequently used strategy by high net-worth families to enhance their inheritable liquid wealth.
Modern life insurance policies combine protection and investment attributes, both of which are globally used by wealthy families for estate planning.
Can be a very cost-effective tool to enhance wealth and can facilitate the transfer of wealth to heirs.
Life insurance in the US is a very sophisticated vehicle for wealth accumulation, protection and transfer to next generations.
Common uses of life insurance
Life insurance is commonly used as a tool for estate planning, including the following:
Benefits of US life insurance policies
US insurance policies have several advantages compared to those from other jurisdictions.
Favorable and less expensive premiums
The cost of premiums in Latin America, depending on the product, can be 2 to 5 times more expensive compared to premium costs in the US.
Protection against devaluation
Insurance is issued in US dollars, providing protection of death benefit against possible devaluations of local currencies.
Security
Peace of mind, having a policy issued from financially stable, highly ranked insurance companies.
Our services
Life insurance is commonly used as a tool Bulltick has over 20 years of experience working with high net-worth international families, particularly from Latin America, and specially with those who do not have a US residence.
Maximize liquid wealth
The portion of investment within a life insurance policy, depending on each client’s and policy’s specific circumstances, can grow without paying capital gains.
Equitable distribution of estate
There are circumstances when it’s difficult to divide an asset equally among several heirs. Buying life insurance allows the balancing of the value of the asset between heirs, so that those who did not get a share of an asset, receive the equivalent value in cash through a life insurance policy.
Buy / Sell agreements
For individuals that are partners in a business, life insurance is a useful tool for buy-sell agreements. They agree on the value of the business and both the partners issue a life insurance policy for the value of the business. When one of the partners passes away, the life insurance proceeds goes to the partner’s family, thus liquidating the business’s shares. The remaining partner retains 100% control of the company.