Nothing in life is more precious than the comfort of knowing that your next generation is well taken care of. The Cool Springs Life Equity Strategy is an exclusive life insurance premium financing strategy that protects everything that you've worked so hard for.
Our mission is to provide you with state-of-the-art product and finance engineering to protect your family, your business and your estate. We utilize a combination of bank loans and insurance products to provide you a personalized strategy that is designed to offer you security and peace of mind.
For you. For your family.
You’ve worked hard your entire life to build a substantial estate.
You should benefit from your lifetime of hard work. Yes. You.
Your Family and Loved Ones. Not the government.
Cool Springs Life Equity Strategy gives you the means to protect your estate and is designed without you writing a premium check, and provides Premium Financing at the lowest rates currently available anywhere.
With the Cool Springs Life Equity Strategy:
The Cool Springs Life Equity Strategy enables you to finance an amount sufficient to fund all your life insurance premiums and all interest payments and other costs associated with this transaction at extremely low interest rates not generally available to individuals. This low-cost financing means you can achieve the security you desire without the need to liquidate any of your assets.
The Cool Springs Life Equity Strategy delivers superior value in premium financing by partnering with the finest banking, insurance, and financial institutions in the world. Our extensive knowledge and expertise in this field has enabled us to provide you products and strategies that will enhance your ability to protect those you love with minimal exposure, a superior death benefit IRR and high cash values.
Consequently, the policy is designed for the accumulated cash value to be sufficient over time to repay the loan, and continue to fund the policy for the rest of your life. Our substantially lower borrowing costs allows this crossover event and release of your collateral to occur years earlier than traditional financing plans currently offered.
Cool Springs Life Equity Strategy will provide you with the exact insurance policy that fits your needs and circumstances. We work with some of the largest and most highly-rated life insurance companies in the United States to create policies that provide maximum benefits and integrate perfectly with our financing.
Currently financing can be for periods of one to five years at a time. The intent is to finance all premiums, interest and any other cost associated with a transaction until death or an earlier designated time. Typically some collateral is required in addition to the policy cash value in the form of cash, cash equivalents. However, it is normally a small percentage of the borrowings.
Cool Springs Life partners with the most reputable and respected life insurance carriers to offer you access to products that can provide extraordinary cash value accumulation. These products have historically exceeded the projected borrowing costs for this product.
The loan interest rates are usually tied to the London Interbank Offered Rate (LIBOR), plus a small spread. As the client, you have the option to fix the interest rate for multiple years or you may allow it to fluctuate as LIBOR changes.
Interest Rate Caps are also available. A personalized loan illustration will be provided to ensure that you, and your advisors, completely understand the terms of the financing as well as the projected benefits prior to any purchase or commitment. If you are currently paying a higher loan rate than LIBOR plus 150 Basis Points for insurance financing you can enjoy significant savings with Cool Springs Life Equity Strategy over the life of your policy.
The Cool Springs client for this product has a substantial net worth with a high level of liquidity and a significant and legitimate need for life insurance. The minimum policy face amount we consider appropriate for the Cool Springs Life Equity Strategy is $10 million
