Rampart America is committed to helping you grow your business. Our Advanced Marketing expertise can help you design plans based upon your clients' specific requirements and assist you in presenting the solutions you like. Through us, you can offer your clients sophisticated Business Continuity Planning, Executive Benefit Planning for Public and Closely-Held Companies, Executive Long Term Care Programs, Financial and Estate Planning for High Net Worth Individuals and more...

Spreadsheet Policy Comparison:

  • Life Insurance Death Benefit and Cash Surrender Rate of Return Analysis

  • Present Policies

  • Retaining Present Insurance vs. Sec 1035 New Policy

  • Proposed New Issue Policies utilizing portfolio theory

Business Continuity Planning:

  • Estate Freeze Modeling for Business and Investment Family Partnerships

  • Closely Held Business Alternatives for Paying Estate Taxes (Section 6166 vs Life Insurance)

Executive Benefit Planning for Public and Closely-Held Companies:

  • Split Dollar

  • Supplemental Pension

  • Deferred Compensation

  • Excess 401(k) Plans

Executive Long Term Care Programs:

  • Slide Show Presentation

  • Individual and Composite Computer Proposal

  • Enrollment Forms

Financial and Estate Planning for High Net Worth Individuals:

  • Computer Spreadsheet Modeling

  • Qualified Plan Payout Strategies

  • Estate Planning Strategies

The Advanced Marketing Department will design plans based upon your clients specific requirements and will interact with the broker, and the client's other professional advisors.

Some of the recent engagements that the department participated in were:

Executive Supplemental Pension Plan for Mid-Size Suburban Bank Reviewed Present Life Insurance utilized in the Plan. Recommended changes in the Plan design. Proposed changes in the utilization of present Insurance and illustrated shortfall of present insurance. $350,000 of new insurance premium was purchased to overcome shortfall.

Analysis of Present Life Insurance Policy Analyzed present $15,000,000 Survivorship Life Policy purchased in 1988. Compared policy cash flow and gift tax liability based upon original , current and projected cash flows. Recommended partial replacement of term portion resulting in $95,000 premium.

$20,000,000 Split Dollar Survivorship Life Analysis for Fortune 500 CEO Prepared Cash Flow Rate of Return and Cash Surrender Analysis comparing ten different companies Program analyzed Split-Dollar rollout strategies and other areas. Interfaced with client's attorneys and Company's Financial and HR Staffs. Resulted in $326,000 premium.

Family Limited Liability Company Freeze Illustrated to Family Owners and Professional Advisors a Freeze on the Older Generation's Interest in the Business coupled with Guaranteed Payments with Business Growth to the Younger Generation. This approach froze the value of the business for estate tax purposes of the older generation. We coordinated all aspects of the Plan with the Valuation, Legal and Accounting Professionals. Produced over $150,000 of Life Insurance Premium.

Estate and Financial Plan for Retiring CEO of Fortune 500 Company Prepared cash flow financial model - developed family gifting strategy illustrated advantages of charitable remainder unitrust. Created estate tax minimization plan utilizing credit shelter generation skipping and annual exclusion trusts. $40,000 of premium of survivorship universal life insurance was purchased.

Subchapter S Shareholders - Split-Dollar Survivorship Life Analysis Cash flow analysis for four shareholders and spouses utilizing traditional and universal survivorship life polices and individual policies to purchase survivorship life policy at first death. Produced over $200,000 of premium.

If you would like a portfolio illustrating our work, please call us at 1-800-221-4623