Your well designed life insurance policy offers tremendous flexibility to meet your changing needs.
Our approach is designed to deliver. We expect you to earn a high rate of return using one of the World’s safest assets.
Your Flexmethod® plan is centered on a Tier 1 asset. This is a banking term for the highest quality asset class and considered a cash equivalent.
The firm is not engaged in the practice of law or accounting. We offer our clients a comprehensive estate planning software tool and have a strategic partnership with a specialized tax planning firm to assist self-employed and small to medium sized businesses in mitigating their tax liabilities. Information presented is believed to be current. All expressions of opinion reflect the judgment of the authors on the date of publication and may change in response to market conditions. All investments have the potential for profit or loss. Different types of investments involve higher and lower levels of risk. There is no guarantee that a specific investment strategy will be suitable for an investor’s portfolio. Annuity guarantees are subject to the claims-paying ability of the issuing insurance company. If you withdraw money from or surrender your contract within a certain period of time after investing, the insurance company may assess a surrender charge. Withdrawals may be subject to tax penalties and income taxes. Photos are used for the singular purpose of enhancing the website. None of them are photographs of current or former clients.
Financial solutions from dedicated professionals designed to be flexible enough to meet your unique needs.
The Stafford Corporation (“Stafford”) is a licensed insurance producer in 34 states and offers the Flexmethod® and insurance products through its licensed brokers. The Flexmethod® may include an asset-based lending strategy that uses the value of an eligible life insurance policy as collateral to generate cash flow. It may also involve coordination with your investment advisor, tax, and legal professionals. Stafford does not provide investment advisory services, securities, legal, or tax advice. Certain eligibility restrictions apply.
In connection with the Flexmethod®, Stafford may recommend the services of other professionals, including Desert Rose Capital Management, Inc., an SEC-registered investment adviser and affiliate of Stafford. This presents a conflict of interest, as Desert Rose Capital Management, Inc. may earn compensation related to the Flexmethod®.
The statements herein are aspirational and for illustrative purposes only. The suitability and results of the Flexmethod® depend on the individual policyholder’s circumstances. There are risks associated with the Flexmethod®, including market risk, interest rate risk, and loan renewal requirements. Policy guarantees and benefits are subject to the claims-paying ability and financial strength of the issuing insurance company. Coverage may expire if premiums are not paid or are insufficient. Loans and withdrawals reduce the policy’s cash surrender value and death benefit, which may affect coverage and performance. Failure to repay loans could result in default, policy lapse, or forfeiture of policy value.
While the Flexmethod® seeks to provide access to potentially tax-free withdrawals (as loans are generally not considered income), tax implications may arise if a policy is sold or surrendered. Consult your tax advisor for specific tax implications. Not all Flexmethod® solutions are available in all states or jurisdictions. For more information, consult your Flexmethod® professional and insurance agent.
