Confidence Financial

Life Insurance as an Asset Class

Life Insurance as an Asset Class


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We do not view life insurance simply as a financial product nor to be used simply to provide a benefit upon the demise of the insured life or lives. Rather, we understand life insurance as a unique asset class. With today’s company and our predecessor companies, we are in our seventh decade of working with this unique financial instrument. Attributes availed only in this instrument and no others allow our planning to deliver living benefits of asset protection for vast amounts of assets, to build rivers of positive tax-free cash flow during our clients’ lifetimes while continuously providing the core benefit of significant tax-free income upon the demise of the insured. Though rarely understood by other financial advisories, these elements and these characteristics are nonetheless undeniable. For more than 70 years, the Confidence Family of companies has been at the fore of creative uses of life insurance for its clients – whether wealthy families, publicly traded companies, closely held companies, or professionals like attorney's and physicians. 

The national reputation of Confidence Financial Partners and its principals is indisputable. Building on deep technical expertise of senior members of CFP, ground-breaking programs to deliver benefits, protect wealth and expand assets that commenced in the 1950s continue to this day. Validated from large corporate plans as well as family planning structures still delivering results to clients while continuously administered by CFP from inception through today, our vigil for clients is supported by this consistency. We made long-term promises; delivering on such promises has become our legacy. Trademarks issued and pending further confirm CFP’s ongoing and expanding leadership at the apex of creativity and technical excellence.

Resting on our laurels is not acceptable in our culture. Learning from mistakes – ours and others – and building solutions to continually improve on whatever we have implemented, learned and all of what we continue to manage and provide advice for clients and their advisors is a part of our everyday environment. 

Regardless of how we may arrange the use of life insurance in a strategy or program, we continuously undertake diligence and consideration of carriers and products alike, having a long history of reinventing products to achieve specific objectives. It is not simply to review multiple financial projections from an array of insurance carriers. Our diligence extends and reaches to studying financials of carriers, reviewing historical treatment of policyholders, current and planned servicing systems and cultures and critically assessing management orientation and focus. Our intensity with every carrier we consider and place on our platform is unwavering. Once on our platform, they are expected to do no worse than maintain all of the attributes that caused us to bring the carrier to our clients. Should they falter financially, fail to deliver on promises or reduce levels of service, our carriers understand and accept that we will do whatever is required to replace, surrender and/or exchange our clients’ policies to ensure that clients’ assets are not at risk – whether or not such a transition is in the best interest of CFP financially. Our clients are our most important asset.

Drawing upon decades of experience and results at a very high level, we have converted certain discrete strategies into repeatable programs that apply to a broad class of clients. These programs are tuned for each particular client but have characteristics that reach constituencies with similar objectives and needs. This enables us to bring these strategies to a wider base of clients.