PRIVATE CLIENT · BY REQUEST
Funding in weeks, not months.
Your full financial plan comes first. Indexed universal life is the vehicle. Our private unsecured term funding partner can typically provide capital in about 2–3 weeks, compared with the months a bank can take. You deploy it as you choose, including toward your IUL, without liquidating your assets.
Funding is subject to the partner's credit approval and terms. Timing varies and approval isn't guaranteed. Reviews are reserved for a net worth of $5M+ and $100K+/yr carrier target premium.
Plan first. Then the vehicle. Then the capital.
Private review, then a full financial plan
Coordinated with your CPA and attorney, that you sign off on before anything is proposed.
IUL as the vehicle
Stress-tested at lower crediting.
Private unsecured term funding
Typically in about 2–3 weeks (subject to approval). The capital is yours to deploy as you choose, including toward your plan.
Two independent products
The funding is unrestricted, repaid on its own fixed schedule, your obligation, and independent of the policy. The IUL is judged on its own merits. Its cash value and illustrations aren't guaranteed.
Who it's designed for.
Fits
- —net worth $5M+ (required)
- —$100K+/yr carrier target premium (required)
- —want capital kept invested
- —strong credit
- —a real need for large permanent coverage
- —insurable
Not for
- ×fixed payments would stretch you
- ×you need a guaranteed outcome
- ×you were offered cash or a "no-cost" policy (STOLI; we don't do it)
The risks, stated plainly.
- Fixed payment obligation for the full term, whatever the policy or markets do.
- Borrowing cost: interest and fees set by the partner.
- Approval isn't guaranteed, and future funding isn't assured.
- Underperformance and lapse: crediting can sit at the floor, charges can change, and lapse can bring taxes.
- Independent products: funding payments are due whatever the policy does, and premiums must make sense on their own. Cash value isn't guaranteed and starts below premiums paid.
- Tax consequences vary: potentially tax-advantaged, depending on design and law. Personal interest is generally not deductible. Consult your tax advisor.
- Not suitable for everyone.
A private, advisory approach.
Mario Cittadino
Founder · Licensed agent [NPN]
Request a private review.
Which state do you live in?
Frequently asked.
How does it work?+
A signed-off plan, IUL as the vehicle, and separate unsecured term funding you deploy as you choose.
Who is it for?+
$5M+ net worth, $100K+/yr target premium, and strong credit.
How fast is funding?+
Often about 2–3 weeks from a complete application versus months at a bank. Not guaranteed.
Do I pledge collateral?+
The funding is unsecured. Approval is based on credit and financial review.
How is it repaid?+
On its own fixed schedule. It's your obligation and independent of the policy.
Taxes?+
Potentially tax-advantaged, depending on design and law. Consult your tax advisor.