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In this tutorial, Josh Sterling discusses a creative approach for employers to provide life insurance coverage to their employees' families while potentially aiding retirement savings. The concept, called a Split Dollar Loan Arrangement, is designed as an executive benefit for retaining key employees. In this arrangement, an employer provides a loan to the executive to cover premiums for a cash value life insurance policy. The executive uses the loan to pay these premiums and assigns an interest in both the cash value and death benefit of the policy to the employer as collateral. Throughout the duration of the loan, the executive cannot access the portion of the cash value that is used as collateral.