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Jim Marva is a very famous coach his deferred compensation package made national news back when they created it for him several years ago and Id say the first thing I would stress about this before I explain how it works is that this is not a product it is a strategy and a lot of Institutions use this it could be a university a private business a corporation and yeah it can even be a family so its not common practice though for a normal family and normal income levels to be using it because often the policies are too small to be able to create an attractive loan so for this setup with the Jim Harbaugh situation he was being paid a salary and in addition to his salary they offered him this type of deferred compensation through what is called a split dollar plan and they assisted this plan by using it to set it up with life insurance in a split dollar plan theres an employer and an employee and they have a written agreement that outlines how are they going to share the premium cost wh
