The key to the program is the "accelerated" funding. Our affiliated network of banks will arrange to loan an individual ten years of premiums up front to purchase a policy of $1 million or more. Monies are paid to the insurance company every year for ten years (when the policy is paid up). The balance will generate a return that will be credited to the client to pay down the interest cost and the total loan will be repaid to the bank from the policy cash values or from the death benefit, whichever occurs first. What does this mean to the individual? Substantial amounts of life insurance for beneficiaries and estate planning with no premiums or interest payments. NO OUT OF POCKET COSTS !