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
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.
Death benefit proceeds will be paid to the beneficiary within 30 days after being received by Stream from the life insurance company.
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.
As a member you have the rights to your policy and all the benefits associated with it only. Each member is allocated the interest in their policy only.
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.
Yes. The member can transfer the policy as long as the bank loan is paid off.
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.
