The three component scalable Insurance Portfolio Restructuring Systemtm includes:

•  insurance portfolio restructuring , to reduce the premium burden and provide: access to cash, guaranteed monthly income,estate planning and charitable commitment relief in tandem, to have it all, avoiding the tug of war with third party beneficiaries
• plus, reconfiguration of the existing coverages ( or new coverage if applicable), into:
• “trade down vehicles” defined as: lower cost coverages, equivalents of the more valuable or desirable policies, but which have fewer frills, lower value, and at a lower premium level.
• "estate creation vehicles,” defined as: coverages intended to increase the present estate size, as opposed to provide estate tax liquidity, or as hedges.
• “legacy replacement vehicles,” defined as: coverages intended to make legatees whole.
• non-lawyer estate planning, using Insurance Based Solutions ^sm/tm, and configuring Wealth Preservation Coverages ^sm/tm, as hedges, as a standalone or working with trusts and estates attorney
• plus, reconfiguration of the existing coverages ( or new coverage if applicable), into:
• “unwinding vehicles,” defined as coverages used when disentangling from overly engineered estate planning instruments
• “program completion vehicles,” defined as: coverages which replace failed or incomplete estate planning instruments, such as: Grantor Retained Annuity Trusts, equalization programs, or gift giving programs.
• “retirement phase synergies and efficiencies”: using the premiums in the most efficient manner holistically to provide synergies to enable meeting more than one planning goal: living benefits + death benefits.

The firm:

• Connects and transforms fragmented policies into a cohesive and functional whole portfolio, creating a “decision making platform,” for setting priorities and making decisions
• Performs a comprehensive review, using a “fresh set of independent eyes”
• Shepherds clients around “institutional” resistance to restructuring, beginning with: gathering up-to-date information, trajectory reports, and possible options from carriers
• Navigates through a myriad of obstacles and traps, such as: potential conflicts/ tax obstacles / uncertainty / cash flow crunch 
• Reconfigures portfolio to accommodate present insurance need and circumstance
• Reduces or eliminates outlays, scales back insurance benefits, or pares away non-essential features
• Reduces or extinguishes policy loans
• Selects the appropriate policies to salvage, which to let go
• Determines the optimum recovery ordering and timing, for buying time / draw out /drawdown/ liquidation /reversing step down strategies, and coordinates the strategies’ execution
• Selects the best manner for terminating the policy: such as: lapse vs. surrender vs. sell
• Helps sell unwanted or inefficient policies
• Grooms policies to make them more desirable to buyers, or ready for collateral assignment if new collateral is required
• Helps buy back sold policies, reinstate lapsed policies, or adds new insurance to cover legacy shortfalls to families or charities
• Intermediates between victims and their children, or between children themselves

Advanced Offerings

• Finds and unlocks “non-obvious, walled off, or dormant” assets to pay the premiums
• Configures trade down coverages
• Turns the portfolio into a source of liquidity, or guaranteed monthly income
• Helps the children avoid income/gift tax when returning gifts or when “helping out”
• Replaces the necessity for over-engineered estate planning structures
• Configures coverages to hedge remaining risks

Restructuring Services

• Workouts
• Retrenchments, including Premium Relief
• Portfolio Fortifications
• Rehabilitations
• Rescues
  • 409A Non-Qualified Deferred Compensation Coverages
  • 412i/ 412(e)(3) Coverages
  • 419 Coverages
  • COLI ( 101 (j) )
  • Insurance In/ For A Qualified Plan ( including, coverages owned in a Sub-trust )
  • Loans Outstanding
  • Pension Rescue Rescues
  • Premium Financing
  • Trust Owned Life Insurance
  • Split Dollar ( Including the 409A Non-Qualified Deferred Compensation Tails)
  • Stranger-Owned/ Investor Owned/ Charity Owned Life Insurance
  • Tax Tainted Policies
  • §7702
  • Modified Endowment Contract
  • Transfer For Value
• Settlements
• Transfers
• Exit Strategies
• Updates
• Optimizations

Advanced Services

• Portfolio Funding
• Liquidity Sourcing
• Tax Advantaging
• Simplifications
• Portfolio Goals/End Game Result Alignments

Coverage Configurations

• Trade Down Alternatives
• Safety Enhanced coverages
• Maintenance Free coverages

More advanced:

• Tax Advantaged coverages

Even more advanced:

• Insurance -Based Solutions coverages
• Reliability Enhancing coverages
• Minimally Engineered coverages
• Estate Creation/Legacy Replacement coverages

Explanation of IPR Coverage Configurations:

• Trade Down Alternatives
• Defined as: lower cost coverages, equivalents of the more valuable or desirable policies, but which have fewer frills, lower value, and at a lower premium level, which will replace the original coverage.
• Example: permanent lifetime coverages which do not accumulate any significant cash value, at a premium level not much higher than that of term insurance.
• Safety Enhanced coverages
• Defined as: coverages purposely selected for being the most secure, that are the least vulnerable to jeopardy and surprises, even at the expense of other features.
• Example: best capitalized high-quality policies acquired from carriers which consistently have the most superior financial strength to meet their ongoing insurance obligations, with time-tested funding arrangements.
• Maintenance Free coverages
• Defined as: particularly durable coverages, which don’t require any involvement beyond paying the premium once year to keep them on track to reach their goals, such as, monitoring /updating / or an exit strategy.
• An exit strategy is defined as: a long-term strategy for removing a policy from a financing arrangement or entity at a specific date,, such as: transferring policy ownership from inside an irrevocable life insurance trust, or qualified plan, to another entity.
• Example: permanent policies with minimal moving parts, with a fixed premium which are guaranteed to keep the coverage in force for life, which will be paid in full yearly, without any financing arrangements.
• Estate Creation Coverages
• Defined as:  coverages intended to increase the present estate size, as opposed to provide estate tax liquidity, or as hedges.
• Example: financial reversal victims, who no longer need their coverages for state liquidity purposes, maintain the coverage to provide a legacy. 
• Legacy Replacement Coverages
• Defined as: coverages intended to make legatees whole.
• Example: using coverages to replace noninsurance legacies lost

More advanced:

• Tax Advantaged coverages
• Defined as: coverages which use pre- tax funds to pay the premiums, enjoy tax deferral of earning accumulations, and/or special tax treatment when withdrawing funds or liquidating, and/or whose death benefits are received tax free.
• Example: premiums of coverages within a retirement plan, or most coverages that are typically afforded tax advantages, but which need to be routinely monitored to avoid the loss of the tax advantages.

Even more advanced:

• Insurance -Based Solutions coverages
• Defined as: coverages which suffice as being the sole and complete solution to wealth preservation problems and funding /hedging needs.  The insurance expertise stands on its own.
• Example: coverages obtained to increase the benefit level of buy/sell agreements, or prenuptial agreements, which won't necessarily require amending the underlying agreement.
• Additionally, they can be used as companion coverages, to fund lawyer based solutions.
• Example: funding the hedge of the Grantor Retained Annuity Trust mortality risk.
• Unwinding Vehicle Coverages
• Defined as: coverages used when disentangling from overly engineered estate planning instruments
• Example: coverages in amounts which would net the heirs the same amount as an estate planning tool et al would, such as: liquidity for estate tax due on the incremental asset value appreciation.
• Program Completion Vehicle Coverages
• Defined as: coverages which replace failed or incomplete estate planning instruments, such as: Grantor Retained Annuity Trusts, equalization programs, or gift giving programs.
• Example: coverages in amounts which will provide estate tax liquidity intended for the asset appreciation a GRAT was intended to shelter, or specific coverages to heirs who won't receive their fair share without it (estate equalization).
• Reliability Enhancing coverages
• Defined as: coverages designed to bring greater reliability to the realization of "what's riding on” the portfolio end result. If the portfolio goals don't materialize, the insurance as the fallback position will ensure that what’s "riding on it" will nevertheless come to fruition.
• End result Example:  provide $X guaranteed income to survivor for life, provide the liquidity to pay the estate tax, or to transfer the business.
• "What's riding on it", defined as: how the portfolio goal death benefits or cash value will be applied
• Example: taxes will be paid to facilitate the transfer of assets to the beneficiaries.
• Minimally Engineered coverages
• Defined as:  Coverages which incorporate only one strategy, tactic, or optimization tool, so that it   isn't overly burdensome, or require so many things to be done/avoided to get it to work .
• Example: limiting the complexity to merely securing outside financing for the premium, as opposed to creating additional entities which brings along compliance obligations, gifting steps, and an exit strategy.
  • Exit strategy, defined as a long-term strategy for removing a policy from a financing arrangement or entity at a specific date, such as: transferring policy ownership from inside an irrevocable life insurance trust, or qualified plan, to another entity, or end a premium financing arrangement.