IWP created an Insurance Portfolio Restructuring System^sm/tm for people with insurance portfolios desperately searching for premium burden relief, trade-downs, liquidity, rescues, or even optimizations to give them the restructuring results they want, in the manner they want, with the ability to change them whenever they want.

IWP helps them restructure the portfolios, by:

•   Reconfiguring some 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.
• “legacy replacement vehicles,” defined as: coverages intended to make legatees whole.
• Providing 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.
• Providing “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.
• Providing sources of income, increasing cash reserves, by retrofitting the existing insurance portfolio, and in some cases coordinating the trust alterations with the attorney
• Replacing sources of funding estate planning and charitable commitments, or relief of those obligations, by retrofitting the existing insurance portfolio, and in some cases coordinating the trust alterations with the attorney  

Clients end up with:

• Access to cash, including from seemingly “walled off “funds,
• Access to guaranteed monthly income,
• Charitable commitment relief,
• Either "you or family/charity tug of war" relief,
• Estate plan commitment relief,
• Premium burden relief,
• as quickly as possible
• at the lowest cost
• hassle free
• in the utmost reliable manner
• without impeding legacy
• with the greatest unwindabilty when the present expectations aren’t achieved