Strategic adjustments. Exceptional outcomes.
At RM Legacy Group, our design process focuses on precision, purpose, and performance. Small adjustments in structure and allocation can create significant enhancements in outcomes — without adding risk or requiring additional contributions.
Below are examples of how thoughtful insurance design and strategic policy management deliver meaningful results for sophisticated clients.
Case Study 1: Contribution Structure Optimization
Client Profile: A successful entrepreneur seeking to contribute $250,000 annually to a life insurance policy to provide future tax-free retirement income and long-term legacy protection.
The Challenge: The competitor’s proposed design was standard and lacked efficiency. Despite similar premium and duration, the projection offered only $4.8M in tax-free income.
Our Solution: By optimizing the policy allocation, reducing internal costs, and using advanced design techniques, we engineered a structure that increased projected tax-free income to $7.1M — without any increase in leverage or risk.
Outcome: A $2.3M improvement in available retirement income, offering enhanced flexibility, improved liquidity, and greater legacy potential — all through better design, not added cost.
Case Study 2: Legacy Rescue — Policy Review & Redesign
Client Profile: A 12-year-old policy that had become stagnant and inefficient. Originally designed for tax-free growth and legacy transfer, it was underperforming and lacked clarity on future use.
The Challenge: The policy had expensive riders, poor allocation, and declining cash value. No proactive adjustments had been made in over a decade.
Our Solution: We conducted a full audit, removed unnecessary riders, repositioned investments into institutional allocation options, and restructured the design for tax-free income generation.
Outcome: The policy was transformed from stagnant to dynamic — now projected to deliver $2.8M in tax-free retirement distributions while still protecting a meaningful death benefit for heirs. No new premiums were required.
Turning Missed Opportunities Into Lasting Value
In both cases, the clients were initially presented with “good enough” designs. However, “good enough” is not acceptable for those seeking to maximize the impact of their wealth.
Through thoughtful design, proactive management, and strategic insight, RM Legacy Group delivered significantly enhanced outcomes — transforming ordinary solutions into extraordinary opportunities for wealth enhancement and legacy preservation.
