USES

• Divorce Settlements
• Bank Loans
• Venture Capital
• Business Managers/Agents
• Movie Productions

The Confidential Asset Protection Insurance plan was developed to provide contingent insurance benefits to individuals who are not able to get a traditional policy on the insured. This unique plan will allow the policy owner to purchase a policy on the insured person without their knowledge. Since the insured person must not know that the insurance has been issued on them they are not required to do a medical examination.


In order for a policy to be issued the policy owner must provide a clear justification for the coverage which normally means they need to have a written agreement between the two parties. Since the insurance is linked to a written agreement, underwriters require an annual review of the financial agreement. Since the coverage needs to be reviewed annually the cover is written for a one year term and the coverage must be renewed annually.

The most important aspect of this policy is that the coverage must be issued without the knowledge of the insured.

Top Ten Coverage Needs:

1. Divorce Decree
2. Venture Capital
3. Bank Loan
4. Personal Loan
5. Buy/Sell Agreement
6. Key Person
7. Movie Production
8. Surrogate Mother
9. Business Agent
10. Outstanding Invoices

Question #1: Are there minimums or maximums that I can purchase on the insured?
Answer #1: Benefits can range from $100,000 to $20,000,000 or more.

Question #2: Can I purchase coverage on my spouse?
Answer #2: No, the moral risk of insuring a spouse is too high. We are able to insure an ex-spouse to cover any alimony or child support payments.

Question #3: How long does underwriting take?
Answer #3: Underwriting normally takes 2-3 days.

Question #4: Can I purchase coverage on anyone?
Answer #4: No, the coverage can only be purchased where there is clear financial justification such as a contract.


This insurance does not cover claims directly or indirectly contributed to or caused by:

1. The insured person abusing or having abused, or being under the influence of, alcohol, drugs or controlled substances, other than drugs legally and appropriately prescribed by a qualified medical practitioner.



2. Suicide or intentional self-injury while sane or insane, or the voluntary disappearance of the insured person.



3. Human Immune Deficiency Virus (HIV), Acquired Immune Deficiency Syndrome (AIDS), AIDS Related Complex (ARC) or any virus, complex or syndrome that is related to the foregoing or any sexually transmitted disease.



4. By radioactive contamination or exposure to radiation.



5. By war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, or military or usurped power.