An asset you can bank on.
Myth: Life insurance is a necessary expense and your family only benefits when you die. Not so. The Stream plan is an investment in you and your family, providing the flexibility of cash accumulation. To help you live your best life.
Our strategy flips the traditional model of life insurance, where it works for you as a strategic financial asset, not an expense. Tap into tax-deferred income growth and tax-free distributions for you to utilize as you wish throughout your life.
See how it's possibleYour smart growth asset
When you diversify your investment portfolio with Stream, 3 unique features kick into gear to make your money go further and work smarter, with security. These are the basic principles of premium-funded life insurance.
Tax-free growth & income
Compounded tax-free income growth means more cash can accumulate for you to access now and into the future. Instead of being siphoned off for taxes, your nest egg grows securely.
Leverage
Leverage is a powerful tool to accelerate cash growth, where Stream facilitates a bank loan for you (or your client). This enables the purchase of a much larger policy than simply paying out-of-pocket. For every dollar a member contributes to their Stream plan, the bank will put in up to 5½ dollars, which works as a multiplier effect on your money.
A 0% floor
Our 0% floor protects you in a down market, meaning that you’ll never take a negative. This elimination of downward risk protects your asset value in uncertain economic times.
The process
personalized
presentation along
with matched carrier
illustration.
documents and
provides additional
financial documents.
clients review including financials and if
accepted into the
program applies for life
insurance policy.
approved, we move
forward. If declined,
Stream cancels the
application.
annual contribution.
their contributions the
bank wires over the life
insurance carrier to fund
the life insurance policy.
contributions are sent to
Stream and the bank funds
the premium. In years 6-10
no payments are made and
the bank funds 100% of the
premium.
policy years 12-18 the
bank is paid back with
the policy’s cash value.
The policy is then
control and turned over
to client’s control.
Program FAQs
No. The management fee and potential distribution fee is disclosed in the PPM and are the only fees for the Stream Program.
No. The only fee for the program is the $750 annual management fee. The life insurance policy has its own separate fees detailed in the life insurer carrier illustration.
The policy may either be surrendered to pay back the bank loan or Stream Protection Plan may also take over the policy. In either way you would no longer have any rights to, or benefits associated with the policy in any way.
Upon death, the death benefit will first be used to fully repay the bank loan. After the loan is satisfied, any remaining portion of the death benefit, the net amount, will be distributed to the trust.
The portion of the death benefit proceeds necessary to pay back the bank loan will be paid to the bank. The remaining death proceeds will be paid to the member’s beneficiaries.
Clients have rights only to their policy and its associated benefits.
No. Members never have to provide collateral or any type of guarantee. The bank loans are made to Stream directly from the bank so Stream and the Managing Members are providing the necessary guarantees to the bank on behalf of all the members.
You must provide two year’s tax returns and a personal financial statement proving you are an accredited investor.
Yes and No. Each member must be an accredited investor and provide evidence as such. However, there is no financial underwriting for the bank loan. The Stream Plan is the borrower on behalf of the members. In no way is the member financially responsible for the loan.
Contributions are due 30 days prior to each policy anniversary for the first 5 years of the plan. After 5 years no more payments are due.
Contributions are made to the Stream Protection Plan and can be made via check or wire transfer.
Account statements will be provided via email or regular mail to your address on record within 45 days of each policy anniversary.
Payments are only made for the first 5 years of the plan.
The minimum payment starts from $5,000 and there is no maximum.
