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chemist advice well strategist Josh Sterling here where I provide you with informative and educational content on all things related to orchestrating your well today I want to introduce you to a unique and creative approach for employers to offer life insurance coverage for their employees families while also potentially building up excess cash for retirement its called a split Dollar Loan regime arrangement which is a type of executive benefit aimed at retaining key employees so how does it work the employer and the executive enter into a written loan agreement in this Arrangement the employer loans the executive the premiums needed to purchase a cash value life insurance policy the executive uses the loans to pay the premiums on the policy and collaterally assigns an interest in both the cash value and death benefit of the policy to the employer as a collateral for the loan during the loan Arrangement the executive does not have access to the portion of the cash value used for colla
