Privately Negotiated Life Insurance,Asset Protection and Client Privacy

Fiduciary Wealth Consultants Serving

Trusted Advisors & Private Clients

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Privately Negotiated Life Insurance,Asset Transfer & Financial Privacy

Unique Selling Proposition

Artisan Wealth provides UHNW families, individually or through fiduciary cooperation with their trusted advisors, privately negotiated customized life insurance (and private equity opportunities) with the highest tax-efficiency and privacy allowed.

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Fiduciary Standard

Financially independent individuals don’t rely on pre-packaged plans and off-the-shelf options. They engage talented professionals to listen to their needs and then craft a customized financial plan that fits their unique circumstances.

We work directly with UHNW, and their trusted advisors, to determine their needs and then craft a contract consistent with the family’s overall financial goals

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For our client niche, we believe the concept of privately negotiated cash value life insurance is the perfect plan of action.

In addition to providing tax free cash in the event of death, cash value life insurance also makes available:

The most efficient investment vehicle available – open platform advisor choice

Access to cash from the contract assets Transition of the contract assets both income and

estate tax free

Primary Instrument

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Competitor Limitations Pre-packaged product/ policy, and not customized/ privately negotiated

Large commission expense (50-150% of entire first-year premium)

High surrender costs/ tax-consequences

Lack of fee/ investment transparency

Limited choice of Insurance Dedicated Funds (IDFs) -- Insurance Company determines Asset Managers and Fund choices (usually low-alpha or inflexible)

Inability of contract holder to track timely performance (IDFs typically do not have CUSIP numbers and their performance cannot be tracked by policyholder like non-IDF funds can. Insurance Companies usually provide policy-holder with a monthly statement indicating change in CV)

Poor integration of insurance contracts into overall investment/ legal strategy (traditional methodology backwards/ old-paradigm )

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Private Contract Life (PCL)

Benefits of PCL

Negotiable fees Dominant global reinsurer Private, simple and cost effective Virtually unlimited customization Legally compliant across desired

jurisdictions Advisor and/or portfolio manager control Negotiable tax-efficient access to cash

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Benefits of PCLCash value life insurance enhances provides the following:

Tax-free death benefit Creditor protected structure Transparency of all fees and costs Tax-free accumulation on cash value Tax-free access to the accumulated cash value Transition of wealth both income and estate tax

free Choice among assets classes and portfolio

managers Designed to be compliant across legal jurisdictions

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