LIFE INSURANCE MANAGEMENT

A. Life Insurance Portfolio Management

Life insurance is an asset in a family or business and should be reviewed and monitored like all other assets. Centric Capital Advisors assists you and your advisors with the management, analysis and servicing of large trust-owned life insurance portfolios. We regularly review your portfolios from both a structural and economic perspective. Through our efforts, our clients can take advantage of the certainty and leverage that life insurance adds to their overall portfolio.

B. Advanced Life Insurance Design

Together with our partners, we have over 60 years of experience designing, constructing, and implementing unique life insurance strategies. Our consultative approach and technical expertise has made us a quiet leader in the market.

We go beyond traditional life insurance offerings and are involved in the design and implementation of highly sophisticated techniques. Our technical analysts and affiliate legal professionals are constantly scouring the market and conducting in-depth research to find the best possible solutions and opportunities for you. 

Some of the services we can provide:

• Irrevocable Life Insurance Trust
• Split-Dollar Funding
• Leveraged Planning Concepts (Premium Financing)
• Dynasty Trust and Maximized Gifts
• Asset Protection Planning
• Life Settlements

Trusts should be drafted by an attorney familiar with such matters in order to take into account income, gift and estate tax laws (including generation skipping transfer tax). Failure to do so could result in adverse tax treatment of trust proceeds.

Split dollar agreements are complex and involve tax and legal considerations. Please consult with appropriate counsel before entering into such an arrangement.