Portfolio Design

Winged Keel Group's Client Relationship Managers and Design Analysts work with the client's professional advisors to create customized analytics that illustrate the economics of various life insurance products and funding approaches which can meet a client's specific gift, estate, and income tax planning needs.

 

Our clients generally own life insurance outside of their taxable estates in structures such as Irrevocable Life Insurance Trusts (ILITs), GRAT Pourover Trusts, and Generation Skipping (Dynasty) Trusts. Life insurance portfolio acquisitions within these structures are typically funded with existing trust assets, lifetime exemption and annual exclusion gifts, intra-family loans, and private split dollar. A well-structured life insurance portfolio acquisition should also consider trust financing exit strategies, such as GRATs and discounted asset sales.