Complex needs deserve coordinated thinking.

For qualified clients, we help evaluate the design, optimization, and ongoing review of private placement insurance and premium financing arrangements.

Variable insurance securities are offered through MHL Investments. Insurance placement is provided through M. H. LeBlang, Inc. d/b/a M. H. LeBlang Insurance Services. These are separate service capacities.

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Perspective

A connected view of your plan.

Start with your objectives. Bring the right professionals together. Understand the commitments before making a decision.

UNDERSTAND YOUR OPTIONS

A plan that reflects your priorities.

Private placement life insurance

Evaluate an insurance structure with investment options, substantial funding needs, and specialized tax and regulatory considerations.

Private placement variable annuities

Assess investment access and tax deferral within an annuity structure, together with fees, liquidity, and distribution rules.

Premium financing

Consider borrowing to fund insurance premiums only after evaluating collateral, interest rates, policy performance, and an exit strategy.

KNOW BEFORE YOU DECIDE

The details matter.
So do the tradeoffs.

Investment and liquidity risk

Underlying investments may lose value and can have significant restrictions, fees, or limited liquidity. Eligibility requirements apply.

Financing and collateral risk

Borrowing costs and collateral requirements can rise. A lender may require additional funds, and refinancing may be unavailable.

Tax and policy risk

Tax treatment can change or be lost if requirements are not met. Policy underperformance or lapse can create substantial consequences.

Important considerations

These are complex insurance, securities, and financing arrangements for appropriately qualified clients. This information is educational and is not an offer or solicitation. Offerings, if available, are made only through applicable documents and eligibility review. Market, credit, liquidity, collateral, tax, legal, legislative, and policy performance risks apply. No return, tax outcome, or financing availability is guaranteed.

M. H. LeBlang Insurance Services is not the issuing insurance company and does not guarantee the contract. Any contractual guarantees depend on the issuer’s claims-paying ability and the terms of the contract.

M. H. LeBlang Insurance Services and the licensed insurance producer may receive commissions and other compensation from the issuing insurance company. Compensation varies by product and carrier and creates a financial incentive.

Securities are offered through MHL Investments, the broker-dealer business of M. H. LeBlang, Inc., Member FINRA and SIPC. Insurance services are provided through M. H. LeBlang Insurance Services. The registered representative and insurance producer may receive transaction-based compensation. The issuing insurance company, not MHL, is responsible for contractual insurance guarantees.

FINRA and SIPC membership applies only to MHL Investments’ broker-dealer business. SIPC does not protect against market loss and does not guarantee an insurance company’s obligations under an annuity or insurance contract.

Research MHL Investments on FINRA BrokerCheck MHL Investments Form CRS

LET’S MAKE THE NEXT STEP SIMPLE

You don’t have to figure it out alone.

Start with a conversation. We’ll help you find a path that fits.

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