No. Traditional premium-financed life insurance often carries significant market exposure, which can create volatility and repayment risk. Our Private Bond Program is fundamentally different. It’s designed to fund high-benefit life insurance using institutional-grade capital with significantly less risk—unlinked to public market performance.

No. One of the key benefits of our strategy is that it uses existing, collateralizable assets on your balance sheet—not your cash. A AAA-rated bank issues the bond on your behalf, covering the entire cost of the policy without disrupting your liquidity.

All financial strategies carry some level of risk. That said, of the 312 Private Bonds issued over the last 20 years, only one underperformed expectations. That scenario led to a structural improvement, and today the worst-case outcome is a 0% return—even in a severe market downturn. Your principal is protected.

This strategy is protected by a patent and has only been available to an exclusive network. We are one of just five authorized distribution partners in the world with access to this process. Unless you were in the inner circle, it simply wasn’t on your radar.

Financially, your company should be valued at $10 million or more per partner, with at least $2 million in collateralizable assets. Medically, qualification depends on standard underwriting criteria, but you’re likely a good candidate if you’re in generally good health and don’t use tobacco. We can likely find a way to help even if you do use tobacco, but it will take some financial engineering because insurance premiums will be higher.

On average, it takes 90 to 120 days to complete the full process. That includes your medical exam, the bond design and issuance, and insurance underwriting. We handle the heavy lifting so your time commitment stays minimal.

You're not alone. Many successful business owners have outdated or imperfect financial reporting—and that’s okay. We help you work through any gaps and provide clear guidance throughout the process. Plus, we offer a comprehensive non-disclosure agreement to protect your privacy and ensure complete confidentiality.