What We Do

At ARI Financial Group, we offer advanced life insurance planning and custom-tailored financing solutions to meet the unique needs of our clients. Our services are specifically designed for high-net-worth individuals and families, recognizing the complexity and sophistication required in managing their wealth and legacy.

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Life Insurance

We understand that life insurance is more than a product — it's an integral part of a comprehensive wealth management plan. Our bespoke strategies are crafted to align with your financial goals, ensuring your wealth is protected and passed on seamlessly. From safeguarding your assets to managing potential tax liabilities, we deliver solutions that are meticulously designed for your unique situation. With our team’s in-depth expertise, you can trust that your life insurance plan is well-structured, adaptable, and tailored to your evolving needs.

At ARI Financial, we use life insurance as a financial vehicle to provide personalized, customized, and dynamic solutions for our clients’ wealth enhancement and asset protection needs. In addition to the survivor benefit, which is tax-free to heirs, permanent life insurance coverage offers various lifetime benefits that can enhance your long-term financial security. With Whole Life insurance, coupled with our Premium Finance, the ARI Financial strategy provides you with the best coverage possible without losing the opportunity cost on your assets.

Why Life Insurance

  • Estate Planning

    Life insurance is a fundamental tool in estate planning, ensuring that your estate is distributed according to your wishes. It provides liquidity to cover estate taxes and other expenses, preserving the value of your assets for your heirs.

  • Business Continuation/Succession Planning

    For business owners, life insurance can be the key to seamless business continuation or succession planning. It can fund buy-sell agreements, ensuring that your business remains stable and operational, even in your absence.

  • Diversification from Currency Risks

    Life insurance offers a unique diversification opportunity, protecting your wealth from currency risks. By including life insurance in your financial portfolio, you can safeguard your assets against fluctuations in the value of your home currency.

  • Generational Wealth Transfer

    Life insurance facilitates the smooth transfer of wealth from one generation to the next. It ensures that your legacy is preserved and that your beneficiaries receive the financial support they need to maintain their standard of living.

  • Protection Plus Investment Grade Returns

    Life insurance provides the dual benefits of protection and investment. With the right policy, you can enjoy investment-grade returns while ensuring that your loved ones are financially secure in the event of your passing.

  • Tax Mitigation and Planning

    Strategically designed life insurance policies can play a significant role in tax mitigation and planning. They can help reduce estate taxes, provide tax-deferred growth of cash value, and offer tax-free death benefits, maximizing the wealth you pass on to your heirs.

  • Immediate Liquidity for Family

    In the event of an unexpected death, life insurance provides immediate liquidity to your family. This financial support can cover funeral expenses, pay off debts, and ensure that your loved ones have the funds they need to maintain their lifestyle during a difficult time.

Life insurance is a versatile product that offers guaranteed payouts, flexibility, risk management, cash value accumulation, customizable coverage, competitive returns, and confidentiality, setting it apart from other financial instruments.

Premium Finance

While your financial strategy may require you to purchase a large amount of life insurance, you may have some reservations about paying your premiums using your existing assets or current cash flow. For example, you may believe you can earn more on your money than you would pay in loan interest. You may have illiquid assets, such as stocks, bonds, real estate or business assets, that you prefer not to access in order to fund your life insurance purchase. Or, perhaps you prefer to preserve your cash for other purposes. 

Whatever your individual circumstances may be, you do have an alternative: Premium Financing. It’s an innovative financial strategy designed to help individuals buy large amounts of life insurance for personal or business purposes, while leaving cash or other assets in place — or available to be used in other ways. 

So whether you are using life insurance for estate funding, philanthropic, or business planning purposes, you can now leverage the power of borrowed funds from a commercial lender to access the premium dollars you need — while you continue to acquire, grow, and preserve your other assets for your heirs or valued employees. 

Why Premium Finance?

Premium Finance is a Smart Credit Strategy

High-net-worth individuals who face a high opportunity cost on their money and understand the benefits of leverage will choose to finance the premiums for their insurance contracts.

CASH VALUE AS A COLLATERAL

Life insurance is a fundamental tool in estate planning, ensuring that your estate is distributed according to your wishes. It provides liquidity to cover estate taxes and other expenses, preserving the value of your assets for your heirs.

POWERFUL ASSET

Premium financing of US whole life contracts creates a powerful financial asset that compliments a portfolio comprised of stocks, bonds and real estate.

PERFORMANCE

The returns on the whole life product, along with its guaranteed growth and protection from market risk, have historically outperformed the cost of capital.

ARI’s Premium Financing Platform is supported by alliances with strong, reputable lending institutions that have continued to extend credit in tight markets.

Get in touch

Address:
Gartenstrasse 17, 8002 Zürich, Switzerland
Phone: +41 79 414 54 76
Email: info@ari-intl.com

At ARI Financial Group, we value your input and are always eager to connect with you.

Our team of experts is ready to listen, assist, and address any inquiries or concerns you may have. Whether you're looking for personalized guidance or have questions about our services, we encourage you to contact us.