Most affluent, sophisticated individuals understand the importance of life insurance as an integral part of an overall financial and estate planning strategy. However, funding a life insurance policy may not be the best use of their financial resources. Many feel that converting high performing investment portfolios into cash to pay the life insurance premiums is not appealing. We offer a unique strategy that provides wealthy clients and/or their family (e.g. children & grandchildren) the ability to acquire large amounts of life insurance with No Out-of-Pocket Costs and maximize the total amount of wealth that is ultimately transferred to future generations.