SBL Partners

Cash Value Life Strategies

Strategic use of permanent life insurance to create tax-advantaged growth, accessible wealth, and a secure legacy.

Strategic Overview

Cash Value Life Strategies represent a sophisticated approach to wealth building that goes far beyond traditional life insurance. Using specially designed permanent life insurance policies, we create powerful financial tools that offer unique tax advantages, asset protection, and wealth transfer capabilities.

These strategies are particularly valuable for high-income professionals, business owners, and investors who have maximized their qualified retirement plans and are seeking additional tax-advantaged wealth accumulation opportunities.

Our approach focuses on optimizing policy design to maximize cash value growth while minimizing insurance costs, creating an efficient financial vehicle that complements your overall wealth management strategy.

Tax Advantages

Tax-free growth of cash value

Tax-free access to cash value via policy loans

Income-tax-free death benefit

Protection from creditors (in most states)

No contribution limits like 401(k)s or IRAs

Applications for Cash Value Life Strategies

How these powerful financial tools can be used in various wealth planning scenarios.

Business Applications

Executive bonus plans for key employee retention

Business continuation planning

Tax-efficient business exit strategies

Corporate-owned life insurance for key person protection

Alternative to traditional qualified retirement plans

Retirement Income Planning

Tax-free supplemental retirement income

Reducing sequence of returns risk

Buffer against market volatility

Mitigation of future tax rate increases

No required minimum distributions

Wealth Transfer Strategies

Income tax-free legacy for heirs

Estate tax liquidity planning

Generational wealth transfer

Charitable planning strategies

Asset protection for beneficiaries

We believe educated clients make better financial decisions. That's why we provide ongoing education to help you understand our investment approach and the strategies we recommend.

Case Study: Supplemental Retirement Income

A physician earning $500,000 annually had maxed out his qualified retirement plans but wanted additional tax-advantaged retirement savings. Through our Cash Value Life Strategy:

We designed a specialized policy with minimal insurance costs and maximum cash value growth

He contributed $100,000 annually for 10 years

Cash value grew tax-deferred, unaffected by market volatility

At retirement, he accessed $150,000 annually tax-free via policy loans

Result: $150,000 annual tax-free retirement income plus a significant tax-free death benefit for his heirs.

Why Is This Approach Differ

Unlike traditional financial advisors who often overlook or misunderstand cash value life insurance, we specialize in properly designing and integrating these strategies into your comprehensive wealth plan.

Many financial professionals focus solely on investments and miss the powerful tax, asset protection, and wealth transfer capabilities that properly structured permanent life insurance can provide.

We work with specialized insurance designers and multiple insurance carriers to create customized policies that minimize costs and maximize the financial benefits for your specific situation.