Private wealth. Capital solutions. Legacy planning.
Private aircraft acquisition, structured with the same discipline. The Program™ Aviation looks at how an aircraft may be capitalized, owned and coordinated with the rest of your plan.
Representative aircraft photography. Hypothetical illustration only.
Aircraft purchasers often evaluate several sources of acquisition equity. Cash, investment liquidation and conventional credit each have tradeoffs. An eligible permanent policy may offer another potential source of down-payment liquidity.
Simple and direct, but it can reduce the liquidity available for other needs and opportunities.
Selling investments can interrupt long-term plans and may have tax consequences.
Adds debt that requires separate underwriting, approval and ongoing interest.
Some permanent policies accumulate cash value and permit borrowing against eligible value. Once actual borrowing power is verified, eligible policy-loan proceeds may potentially support the aircraft down payment, subject to the aviation lender accepting the source.
Actual accessible loan capacity must be confirmed.
Carrier loan rates and crediting treatment matter.
Debt can reduce cash value and net death benefit.
Funding schedule and non-MEC compliance require review.
A policy loan is real debt and interest applies. Policy design, cash value, loan availability and death benefit require a carrier-specific illustration, and coverage is subject to underwriting and carrier approval.
These figures illustrate a funding relationship over an appropriate schedule. Accessible value depends on design, timing, expenses, underwriting and carrier terms. A $2.2M contribution does not create immediate $1.8M access. Not an offer, guarantee, projection or carrier or lender quote.
Individual or family aircraft acquisition, with possible cost-offset analysis using charter under an appropriately authorized operator.
Aircraft economics, closing costs, reserves and operating requirements require separate diligence.
How the aircraft is titled and held is reviewed with your aviation attorney and CPA before closing.
Inspection, escrow, registration, sales or use tax, reserves, insurance, crew, hangar, maintenance and operating expenses are additional.
A sophisticated strategy requires disciplined execution. Overtime coordinates the planning, and each specialist confirms their part before the client commits to the acquisition.
Overtime coordinates the capital strategy, the sequence of approvals and the communication between every professional involved.
Policy design, illustration, underwriting and verified loan capacity.
Financing terms, approval and acceptance of the down-payment source.
Purchase agreement, title, registration and ownership structure.
Tax review of the policy, the loan and the ownership structure.
Aircraft selection, inspection, operations and reserves.
Assess a suitable permanent life insurance policy with sustainable funding, cash-value access, long-term protection and tax-compliant design.
Confirm actual policy-loan availability, timing, interest terms, non-MEC status and carrier requirements.
Access eligible policy borrowing and direct proceeds toward the aircraft down payment, subject to lender approval.
Combine the policy-backed down payment with conventional aircraft financing to complete the aircraft purchase.
Manage or repay policy indebtedness over time while maintaining policy sustainability and insurance protection.
Each workstream must be confirmed before the client commits to the acquisition. This is a readiness checklist, not an approval.
Explore a disciplined approach to private aviation acquisition, coordinated with the rest of your plan and reviewed by the professionals involved.
Hypothetical illustration for discussion only. Not an offer, guarantee, projection or carrier or lender quote. Policy loans accrue interest and reduce cash value and net death benefits. Borrowing capacity, policy sustainability and non-MEC status require carrier-specific review. The aircraft lender must accept the down-payment source and separately approve financing. Premiums and policy-loan interest are generally not deductible. Consult your tax, legal, insurance and aviation professionals.
