Strategic Life Insurance
A Private-Bank Approach to Preserving, Protecting & Expanding Generational Wealth.
At RM Legacy Group, life insurance is not a product — it’s a strategic financial instrument engineered to solve complex problems that traditional investment accounts cannot.
For high-income earners, entrepreneurs, real estate investors, and multinational families, properly structured life insurance can create a level of efficiency, protection, and multi-generational control that no other planning tool can replicate.
Why Wealthy Families Rely on Life Insurance
Ultra-affluent households aren’t drawn to life insurance for its death benefit alone. They rely on it because it delivers four outcomes that other tools cannot combine in a single vehicle:
1. Permanent Liquidity on Demand
Tax-advantaged access to cash value creates a personal liquidity reserve insulated from market volatility and banking risk.
2. Index-Linked Growth Without Market Losses
Using institutional-grade index strategies, clients participate in market upside without exposure to downside risk — a powerful tool for long-term planning.
3. Instant Estate Tax Efficiency
Life insurance is the most cost-effective way to create liquidity for estate taxes, avoid forced asset sales, and ensure generational continuity.
4. Multi-Layer Asset Protection
Properly structured policies within trusts (like ILITs) can provide creditor protection and safeguard assets for future generations.
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Who We Serve
High-Net-Worth Individuals & Families
Family offices & wealth managers - seeking a unified approach
Business Owners Structuring and funding buy-sell agreements.
Companies Establishing Executive Bonus (Section 162) Plans
Trustees, attorneys, and fiduciaries overseeing estates
A well-designed IUL, such as the Allianz Life Accumulator®, combines:
Retirement income planning
Wealth transfer
Business planning
Estate tax protection
Private banking strategies
How We Protect
Structural Protection
We design policies and trust structures that safeguard wealth from taxation, creditors, volatility, and unintended estate outcomes.
Tax-Efficient Growth
Strategies built to minimize tax drag and maximize long-term compounding through protected, index-linked structures.
Liquidity When It Matters
Access to tax-advantaged cash value ensures families and businesses have liquidity for opportunities, obligations, or emergencies — without forced asset sales.
Generational Safeguards
Long-term protection ensuring that wealth transfers smoothly, privately, and intentionally across generations.
Our Partners
plus 86 trusted carriers