Guiding Families with $5 Million+ in Wealth Toward Tax-Free Legacies
Premium-financed Indexed Universal Life (IUL) — strategically designed for wealth preservation, tax efficiency, and lasting intergenerational impact.
How Does Universal Life Insurance Work?
Growth with Guarantees. No Market Risk.
With universal life insurance, premium payments are split between the cost of insurance (COI) and the cash value savings component. The COI is the minimum premium needed to keep the policy active, covering the death benefit and other costs.
Any premiums above the COI are added to your cash value. Growth is often tied to stock market performance, but a zero floor means your cash value balance can never fall because of stock market losses, providing a layer of security.
Why Choose Elite IUL
Our Indexed Universal Life insurance combines the security of life insurance with the growth potential of market participation, tailored for sophisticated investors.
Life Protection
Shield your wealth and legacy from taxes, probate, and inflation.
Market Participation
Capture upside of major indexes without downside exposure.
Wealth Transfer
Ensure generational wealth flows tax-efficiently to heirs.
Premium Service
Access concierge onboarding, tax/legal coordination, and yearly reviews.
Our Approach
1) How Premium Financing Works
Use bank funds to pay your policy while keeping your capital invested. We structure the policy to build collateral value and support the loan over time. This preserves liquidity for business, real estate, or market opportunities while establishing a powerful estate asset.
2) Why Banks Participate
Banks prefer high-quality, collateralized lending tied to conservative assets and predictable cash flows. We coordinate with lenders and carriers so underwriting, collateral, and interest terms align with your broader financial plan.
3) Benefits for HNW Families
Enhance legacy, preserve liquidity, and create tax-efficient outcomes when integrated with your advisory team. With a 0% floor and indexed upside, strategies aim to reduce sequence-of-returns risk while optimizing estate and gift tax exposure.
4) Who Qualifies
Ideal for clients with $5M+ net worth, strong credit, and clear estate goals. We work with your CPA and attorney to implement trusts, gifting, or business structures that keep the plan efficient and durable over decades.
Meet Gregg Linn
Founder & Principal Advisor
For over two decades, Gregg Linn has been the trusted advisor to ultra-high-net-worth families, entrepreneurs, and executives. He specializes in structuring sophisticated life insurance solutions that serve as the cornerstone of resilient and tax-efficient estate plans.
With over 20 years of experience, Gregg Linn brings a unique, concierge approach to life insurance solutions for high-net-worth individuals.
Gregg's approach is deeply personal and analytical, coordinating seamlessly with his clients' legal, tax, and investment teams to ensure every strategy is perfectly integrated with their broader financial life.
Securing More Than Just Your Finances
True wealth preservation is about creating a future filled with confidence and peace of mind. It's the assurance that your family's needs are met, your legacy is protected, and your financial house is in perfect order.
Our bespoke IUL strategies are designed to provide this tranquility, allowing you to focus on what matters most—living a full life and creating lasting memories.
What Our Clients Say
Our reputation is built on delivering exceptional outcomes and fostering long-term partnerships based on trust and integrity.
"The strategic guidance Gregg provided was instrumental in securing our family's financial future. The process was seamless, professional, and tailored perfectly to our complex needs."
"We were looking for a tax-efficient way to transfer wealth, and the premium-financed IUL strategy was a game-changer. It allowed us to achieve our goals while keeping our capital invested."
"[Placeholder] Gregg and the team delivered a thoughtful, tax-efficient structure that aligned perfectly with our estate goals. Highly recommend their concierge approach."
🔎 Frequently Asked Questions
(Gregg Linn | Legacy Wealth Strategies)
Q1: What exactly is premium-financed life insurance?
A: It’s a financial strategy where a high-net-worth individual uses third-party bank financing to fund a large life insurance policy. This allows you to preserve liquidity while creating tax-advantaged wealth transfer and estate protection — using leverage instead of your own capital.
Q2: Why would a wealthy person use life insurance?
A: Life insurance is one of the most powerful tools for tax-free growth, wealth transfer, and asset protection. The ultra-wealthy use it not just for death benefits, but as a financial vault — often integrated into trusts, estate plans, and business succession strategies.
Q3: Is this strategy safe? What are the risks?
A: When structured correctly, premium-financed policies are extremely stable and low-risk. However, they do require expertise. That’s why we only use top-rated carriers, conservative projections, and legal oversight to ensure the strategy works over the long term.
Q4: How much net worth or income do I need to qualify?
A: Most of our clients have a minimum net worth of $5 million and income of at least $250K–$500K/year. Lenders and carriers require financial underwriting, which we handle privately and efficiently for you.
Q5: Benefit over just investing cash into the market or real estate?
A: These strategies are non-correlated to the stock market and offer guaranteed downside protection with upside indexing. Ideal for estate planning, tax minimization, and legacy goals — without competing with your investment portfolio.
Q6: Will I lose access to my money?
A: No. Many structures allow access to cash value via tax-free loans, and in some cases, collateral can be substituted or withdrawn depending on policy performance and lender guidelines. We help design flexible structures aligned with your needs.
Q7: How long does it take to set this up?
A: Once we’ve completed a discovery session and received initial documentation, setup typically takes 3–6 weeks, depending on carrier and underwriting timelines. We handle all coordination behind the scenes.
Q8: Do I need to meet in person?
A: Not at all. Gregg works with clients virtually nationwide through secure Zoom consultations and private client portals. Everything is streamlined to respect your time and privacy.
Q9: What makes Gregg Linn different from other advisors?
A: Gregg brings decades of experience working specifically with affluent families, entrepreneurs, and legacy-driven individuals. His concierge-level service combines wealth strategy, protection, and tax planning — with personal attention most firms can’t offer.
Q10: How do I know if this is right for me?
A: If you’re actively thinking about protecting your estate, reducing tax exposure, and leaving behind a powerful legacy — this strategy is worth exploring. The best next step is a private consultation with Gregg to walk through your options.
Book a Private Strategy Call
A 15-minute introductory call is the best way to determine if this strategy aligns with your financial objectives. There is no cost or obligation.
- Confidential & consultative
- Coordinated with your CPA & attorney
- No obligation or sales pressure