LuxLegacy™
Customized solutions designed for high-net-worth clients.
THE LuxLegacy™ SAFEGUARDS FINANCIAL GROWTH
Our LuxLegacy™ plan is far from your typical financial solution. Tailored specifically for high-net-worth individuals, it offers a unique and sophisticated approach that blends leverage, investment, and protection to help policyholders grow their wealth, safeguard their assets, and plan for the future.
What distinguishes LuxLegacy™is its highly customizable approach to estate planning for high-net-worth clients. By utilizing leverage, our clients can maximize the benefits of securing high-value life insurance without the tax penalties associated with liquidating assets, all while building a powerful financial tool to meet their estate's needs.
If that doesn’t catch your attention, this will: LuxLegacy™ offers market access with complete downside protection against volatility. This means you can leverage market gains while maintaining the protection you expect, ensuring your funds are shielded from market losses while still enjoying full access to market benefits. LuxLegacy™ is the ultimate solution for high-net-worth individuals to meet the demanding requirements of their estates.
Preparing for a high-net-worth estate should not require sacrificing current assets. Our LuxLegacy™ plan is designed to retain high performing assets where they are , while using bank-financed premiums to secure the high-value life insurance your estate requires.
PROTECT YOUR WEALTH ACCUMULATION
LuxLegacy™
01
Market-Driven Growth
You can choose your own growth path
With LuxLegacy™, returns are driven by the indexes of your choice. You have the flexibility to allocate all or part of your policy’s accumulation value to earn compounded interest, which is tied to the positive performance of an external market. Interest is credited annually on your policy anniversary, reflecting the actual performance of the chosen index and the applied crediting method.
02
Leverage Growth
Avoid liquidating your current assets
Our LuxLegacy™ plan, tailored for high-net-worth individuals, provides bank-financed premium options for those who require substantial life insurance coverage but prefer not to liquidate their assets. This strategic approach allows clients to keep their assets invested in their businesses and other high-performing vehicles, avoiding potential tax implications while using leverage to fund their premiums.
03
Avoid All Market Losses
Experience total peace with no market risks
Your principal and your accumulated interest will always be protected against market downturns. Your plan tracks the performance of your selected index(es) – but you are not actually participating in the market or buying shares in any index.
If at the end of the crediting period:
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Your chosen index shows a positive return, then interest is credited to the policy’s accumulation value.
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Your chosen index shows a negative return, you will not earn interest, but you will not lose any money.
04
Tax-Free Wealth Creation
Mitigate tax implications by utilizing leverage
Eligible clients can utilize bank-financed premiums to avoid potential tax implications while funding their LuxLegacy™ plan. Once funded, the plan's interest compounds tax-free, increasing its value. This approach allows our high-net-worth clients to keep their current assets working outside the plan, while simultaneously creating a new asset—the LuxLegacy™ plan—to work for them as well.
05
Continue Generational Wealth
High-net-worth estates require strategic and customized planning
Our LuxLegacy™ plan provides a customized solution for those seeking to amplify the impact of their legacy. Whether it's providing liquidity for inheritance taxes, supporting business planning needs, supplying funds for a beneficiary to acquire estate assets, or meeting any other lasting legacy demands, LuxLegacy™ ensures your estate’s needs are fully met.
Unlike other financial vehicles, LuxLegacy™ offers a tax-efficient pathway to wealth transfer.
DISCLAIMER: The indexes available within the contract are constructed to keep track of diverse segments of the U.S. or international markets, or specific market sectors. Guarantees are backed solely by the financial strength and claims-paying ability of the carrier. This content is general information for educational purposes, and is not intended to constitute fiduciary advice.