Estate protection that doesn’t liquidate your client’s capital
We are a capital strategy partner — not an insurance agent. We operate behind you, design the structure, stress-test it, and hand you an analysis you can put in front of your client. You keep the relationship and the assets.
The wealth sits in the assets that produce the return — a business, real estate, concentrated stock. That’s by design. It’s also the problem.
The first question isn’t “what’s it worth?” It’s “how much could become cash quickly — and at what cost?”
Cash due at transfer, on a timeline no one chooses.
One child runs the business; two don’t. Someone needs to be made whole.
The family doesn’t want a forced sale of the company or the property.
On the scale these estates require, the premium has to come from somewhere — and usually that somewhere is the portfolio you manage.
The conventional structure asks the estate to surrender capital to buy protection.
A withdrawal every year, or a lump-sum liquidation up front. Either way, assets leave your management — and they don’t come back.
Every dollar pulled out to pay a premium stops working — for the life of the policy.
Liquidating appreciated assets triggers tax and disturbs a managed position.
Selling on the policy’s schedule, not the market’s. The one posture investors avoid.
Don’t fund the premium. Finance it.
A lender funds the premiums. The client’s capital stays invested — compounding, tax position intact, under your management. The estate still gets the protection it needs.
The invested, productive capital that built the estate stays invested — instead of being liquidated to buy protection.
The assets stay under your management, compounding and generating the recurring revenue they always did.
| Conventional funding | Liquidity preservation | |
|---|---|---|
| Premium source | Liquidate managed assets | Lender funds the premiums |
| Your AUM over time | Declines as assets are sold | Preserved — assets stay invested |
| Tax position | Gains realized to raise cash | Left intact |
| The conversation | Happens away from you | You bring it and stay central |
Because a strategy you can’t defend in a due-diligence meeting isn’t worth bringing.
“The Builder Who Wouldn’t Sell” · hypothetical, for illustration only
A 58-year-old founder. ~$40M locked in the business and real estate. The family wants the company to pass intact and to equalize three heirs.
The need: ~$18M of liquidity at transfer.
The only liquid sleeve — $5M — is the advisor’s book.
~$18M of liquidity at transfer. The business and real estate pass intact, the heirs are equalized — and the family’s liquid capital was never sacrificed to buy it. No forced sale. No realized gains.
The $5M stayed invested and under management instead of draining to zero. You brought the strategy, kept the relationship, and stayed central to the family’s largest decision.
A standing capability behind your practice for the right client situations — no exclusivity, no overhead.
A large, illiquid estate facing a liquidity need. No commitment — we’ll model it and hand you an analysis.
Let’s get into your questions.
Insurance: Life insurance products, including Indexed Universal Life (IUL), are insurance contracts issued by licensed life insurance carriers. Policy performance — including crediting rates, cap rates, participation rates, and cost of insurance charges — is not guaranteed. Past performance is not indicative of future results. Products are subject to underwriting approval and vary by state. Loans and withdrawals reduce policy cash value and death benefit and may have tax consequences. Goheen Insurance acts as a licensed insurance broker. Nothing herein constitutes an offer or solicitation to purchase any insurance product.
Premium Finance: Premium financing involves borrowing from a third-party lender to fund life insurance premiums. This strategy carries significant financial risk, including variable loan rates tied to SOFR, collateral requirements, margin call exposure, and the possibility that policy cash values may be insufficient to repay the loan. The arbitrage between loan costs and policy crediting rates is not guaranteed and may produce negative outcomes. Suitability must be evaluated on an individual basis by qualified legal, tax, and financial professionals. Hypothetical illustrations are for educational purposes only and do not represent actual client outcomes.
Tax & Legal: Nothing herein constitutes legal or tax advice. Tax information reflects current law as of the date of publication. Tax law is subject to change. Consult a qualified attorney and tax advisor regarding your specific circumstances before implementing any estate planning strategy.
Investment: Goheen Insurance — A Simplicity Company — is not a registered investment adviser and does not provide investment advice. This publication is for informational and educational purposes only. References to market rates, indices, or economic conditions are provided for context only and do not constitute investment recommendations. Past market performance does not guarantee future results.
Webinar Use: This presentation accompanies an educational webinar for U.S. financial professionals. It is not for public distribution and is not an offer, solicitation, or recommendation of any product or strategy. Goheen Capital is a brand name of Goheen Insurance, a Simplicity Group company.