— FUNDED INSURANCE TRUST
Create Lasting Resources for Future Generations
The Funded Insurance Trust (FIT) provides a unique way for families and business owners to create significant, tax-free resources for generations - without using personal capital for premiums, interest, or any costs.
“The best time to plant a tree for future generations is today.”
— A PROVEN STRATEGY. A BRIGHTER TOMORROW.
What is the Funded Insurance Trust?
The Funded Insurance Trust (FIT) is a sophisticated strategy that uses capital markets to finance a life insurance policy owned by an Irrevocable Life Insurance Trust (ILIT). Properly structured, it is intended to create resources for future generations while limiting the participant’s need to use personal capital.
FIT brings together life insurance, trust planning, and institutional financing to help families and business owners preserve wealth, provide liquidity, and create lasting opportunities. Financing availability, policy performance, and tax treatment depend on individual circumstances and require careful review with legal, tax, and financial advisors.
“Generations don’t happen by chance. They happen by design.”
— KEY BENEFITS
A More Powerful Way to Create a Legacy
No Out-of-Pocket Payments
As structured, financing may cover premiums, interest, and costs without personal capital payments.
Tax-Free Resources
Death benefits may receive favorable tax treatment, depending on trust structure and applicable law.
Multi-Generational Impact
Resources can support family, business, charitable, and legacy objectives across generations.
Streamlined Process
A coordinated approach brings financing, insurance, and professional advisors into one planning process.
— HOW IT WORKS
A Simple, Proven Structure
Capital Markets Provide Financing
Institutional lenders finance premiums and costs, subject to approval and terms.
Life Insurance Policy in ILIT
An Irrevocable Life Insurance Trust owns the policy for designated beneficiaries.
Policy Grows Over Time
Policy values may accumulate under contract terms; performance is not guaranteed.
Lasting Resources for Generations
Net benefits, after obligations, can provide liquidity and opportunity for the future.
— WHO IS FIT DESIGNED FOR?
Families, Business Owners and Their Advisors
Ultra-high-net-worth families
Private business owners
Family offices
Venture-capital founders
Banks and financial institutions
Ranchers and farmers
ESOPs and business succession planning
Professional advisors serving qualified clients
— A STRONGER TOMORROW
Build a Legacy That Lasts
FIT can be a way to create opportunity, strengthen families and businesses, and support the generations that follow. Let’s explore whether this approach aligns with your goals.
“Significant opportunities can be created today for the generations that follow.”