Who this is for
You advise closely held businesses. Some of them keep more operating cash than they need. The cash is sound doctrine. The question is whether a measured portion of it can stay liquid and do more useful work — and whether the coverage that cash never provides is worth a conversation.
This packet is for you. It is not a client leave-behind, not a consumer page, and not a product pitch. If the numbers look real, you refer the case to Imprimis Financial. We design the implementation.
What is in the packet
Fact-finder
Enter the company's reserve, cash floor, and the annual amount that would either fund a permanent policy or stay in cash. Read liquidity first, then scale, then the after-tax comparison.
Advisor summary
How the after-tax math is drawn, why cash and cash value are not interchangeable, and why the illustration governs. For you. Not for the owner.
Strategy overview
The conversation piece: funding years, liquidity, and what the coverage can address along the way. Walk it if useful. Do not email it to the client.
Sample case
Northline Packaging — a composite. Walk the demo numbers, then hit Restore demo in the fact-finder and see the same result live.
How you use it
- Think of a company that is holding surplus cash against a floor they can name. If it helps, start with the Northline Packaging sample case, then Restore demo in the fact-finder.
- Open the fact-finder and enter their reserve, floor, annual amount, and tax rates. Leave the rate boxes blank unless you know this company's actual federal or state rate.
- Read Operating Liquidity first. Then Strategy Significance. Then the after-tax comparison. The model is conservative until a complete illustration arrives.
- Tag any secondary goals at recognition level only — key-person, buy-sell, executive benefits, balance sheet, estate. Do not design the structure.
- If the case is real, generate the proposal request in the fact-finder. One internal note comes to Imprimis Financial. The company is not emailed.
What this will not do
- Name or select a carrier.
- Ask you to pick a chassis or blend.
- Treat the modeled curve as a binding illustration.
- Collect medications, conditions, or other medical detail.
- Block a referral because a liquidity flag fired. Flags inform. Imprimis Financial designs.
Send it to John Lynch, Imprimis Financial — jlynch@imprimis-financial.com · (704) 231-9794. We take the illustration, the design, and the carrier selection from there.