Death Benefit Only
Case Designs

Click on which Death Benefit-Only Case Design you would like to see, and the link will jump you to a library of case studies with different client ages to choose from...

01

First-Dollar

Financing
(FDF)

 *Borrow 100% of the Premiums

*Pay 100% of Interest Due
Each Year (zero accrual)

 

*Pay Off Lender in Year 14

 *Outside Collateral Required

02

Partial-Equity

Interest Accrual
(PEIA)

 *10-Year Level Contribution

*Pay 10%-20% Premium
Out-Of-Pocket

 

*Borrow Remaining Premium &
Accrue 100% of Interest Each Year

*Pay Off Lender in Year 14

 *Outside Collateral Required

03

100% Cost Recovery
Net Zero Expense
(CR)

 *Use Either FDF or PEIA

*Pay Off Lender in Year 14
 

 *When Policy Values Allow,
Client Takes Policy Loans
to Recover 100% of
Outlay Expense

*End Result is Zero Net Cost

 *Outside Collateral Required

04

Third-Year

Financing
(3YF)

 *This design is Used for Retirement Income Cases Only