Provides liquidity, guarantees, and stability for families when they need it most:
- Fund tax liabilities without forced sales
- Support equalization strategies among heirs
- Stabilize multigenerational wealth transfer plans
Guaranteed death benefit designs act as a non-correlated asset class, providing certainty to market-dependent portfolios that improves risk-adjusted returns on long-term family capital.
When significant capital is invested into a business, protecting the leadership that drives enterprise value is essential.
Key Person Life Insurance is designed to offset the economic impact of the premature loss of a founder or an important executive. The sudden absence of leadership can disrupt operations, impair valuation, and strain investor confidence. Properly structured coverage provides liquidity to stabilize the business, support transition, and protect shareholder value.
Life insurance also plays a central role in funding buy–sell and partnership agreements. Many operating agreements require the purchase of a deceased owner’s interest. Insurance creates the contractual liquidity necessary to execute those obligations without financial strain or forced recapitalization.
Through our strategic relationship with M Financial Group and our partnership with KB Financial, a leading New York–based Private Placement Life Insurance advisory firm founded by Jim Kaplan, Ownership Advisors provides access to nationally recognized experts in the structuring and administration of Private Placement Life Insurance and Private Placement Variable Annuity programs.
PPLI is an institutionally priced form of variable life insurance available to qualified purchasers and accredited investors. Properly structured, it allows allocation to both traditional and alternative asset classes within a tax-advantaged insurance chassis, enhancing after-tax compounding while integrating with existing estate, trust, and investment strategies.
PPVA structures are utilized in advanced charitable and legacy planning. They provide families the ability to maintain investment control and flexibility while aligning long-term philanthropic objectives with tax-efficient asset growth.
These structures require careful coordination across legal, tax, investment, and insurance disciplines. Our role is to integrate these elements into a cohesive strategy designed to improve risk-adjusted outcomes and long-term capital efficiency within multigenerational wealth systems.
Ownership Advisors works in collaboration with M Benefit Solutions, a wholly owned subsidiary of M Financial Group, to deliver sophisticated executive benefit solutions for privately held and nonprofit organizations.
Together we provide comprehensive plan consultation, design, funding analysis, and third-party administration. We serve organizations seeking thoughtfully structured programs to attract, retain, and motivate senior leadership.
While executive benefit plans enhance organizational continuity and long-term success, they also create future financial obligations. If not strategically funded, those obligations place pressure on the balance sheet and introduce earnings volatility.
Corporate-Owned Life Insurance (COLI) is frequently utilized as a disciplined funding vehicle due to its tax-advantaged growth, balance sheet stability, and ability to provide cost recovery in the event of a key executive’s death. When properly structured, COLI functions as a strategic corporate asset aligned with long-term compensation liabilities, reinforcing financial stability while supporting leadership retention.
Premium financing is a capital strategy that allows life insurance premiums to be funded through a commercial lender rather than paid directly from personal assets.
For families with significant balance sheets, this approach can preserve investment capital while creating long-term, tax-efficient estate liquidity.
Premium financing allows families to:
- Retain core assets
- Maintain portfolio positioning
- Align insurance funding with anticipated liquidity events
- Create estate liquidity without forced asset sales
Premium financing must be carefully managed:
- Interest-rate sensitivity
- Policy performance
- Collateral requirements
- Clear exit strategy
Our Insurance Suitability and Sustainability Analysis (ISSA™) results in an independent and objective report card of your entire insurance portfolio. This powerful analysis will identify how tax and cost-efficient your plan is today by using robust analytics. Your report will also identify how your plan is aligned with your vision, values and goals.
Our experience navigating the ever-changing product and tax landscape, combined with our ability to analyze and reverse-engineer complex financial products, is why many top professional advisors choose to work with us for objective insurance advice.
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Successful families and business owners build enduring advisory teams. Our role is to strengthen your team, not disrupt it. Insurance can feel complicated and emotional. We replace confusion with clarity through independent research and fiduciary discipline, helping families make confident decisions to protect what matters most. We serve as strategic coordinator to align financial strategy and estate design with long-term family purpose.
We care about life insurance because we care about protecting families. Life insurance, whether for wealth transfer, business succession, executive benefits or income protection, leads to conversations that unlock beliefs about money, family, business and charity.
We help families and business owners define what’s most important to them and measure gaps in their current plan vs their ideal vision. As insurance experts, our role is to design, implement and oversee world-class protection plans that will stand the test of time.
Ownership Advisors collaborates with leading specialists within the M Financial Group to provide:
Ownership Advisors helps successful families and business owners use advanced life insurance to protect and transfer wealth. The firm replaces confusion with clarity through independent research and fiduciary discipline, serving as a strategic coordinator that aligns financial strategy and estate design with long-term family purpose.
The practice covers personal and trust-owned insurance, business continuation insurance, private placement life insurance (PPLI), corporate-owned life insurance (COLI), and premium financed life insurance.
The ISSA™ is Ownership Advisors’ objective review of existing insurance: whether each policy is suitable for its purpose, sustainable over time, and aligned with the rest of the plan. It gives families independent, evidence-based answers to questions like “Am I paying too much?” and “Do I have the right kind of insurance?”
Yes — by design. Successful families build enduring advisory teams, and Ownership Advisors’ role is to strengthen that team, not disrupt it, working alongside estate planning attorneys, tax advisors, and wealth managers.
Private placement life insurance is an institutionally priced life insurance structure available to qualified high-net-worth investors. Ownership Advisors maintains senior PPLI specialists and, through M Financial Group, access to the underwriting and products this sophisticated strategy requires.
Recommendations are grounded in independent research and fiduciary discipline — thoroughly documented analysis aligned with a family’s goals, from wealth preservation to tax mitigation — rather than any single product agenda.
