VMAX — a policy
your business borrows against.

Two systems. One underwriting.

VMAX is a program administered by Valoram Solutions. You can enter it two ways: VMAX insurance alone — a single intake for a fully medically underwritten policy placed inside an irrevocable life insurance trust — or loan plus VMAX insurance, which adds a separate borrower intake for a commercial loan made to your LLC, with the policy as part of the collateral picture.

The loan is what makes this different from ordinary coverage: a ten-year, fully amortized note at 5% annual interest with no prepayment penalty. Program materials name a Roth conversion strategy as one permitted use of proceeds; others are governed by the final loan terms. Your CPA reviews and approves the structure before anything funds.

Consult & qualify

Confirm fit: $250K+ income, insurable health, willingness to hold the policy in an ILIT, and a CPA who will review the structure. Business owners are preferred.

Intakes & case design

One intake for the policy; a second, separate borrower intake for the LLC if you are taking the loan. The VMAX team designs the case and submits to the carrier.

Underwriting & the trust

Paramedical exam, records, carrier questions — a dedicated case manager coordinates it. Your ILIT documents are prepared and notarized in the same window.

Approval, funding, review

Once the carrier issues an approved offer and the policy is in force, the loan can fund. You then sit with a VMAX Director for a full policy and coverage review.

• You own a business — an LLC will be the borrower — and can document income above $250,000.
• You are insurable at standard or better; there is no instant-decision or guaranteed-issue path here.
• You have a Roth conversion, a capital need, or an estate objective a ten-year note at 5% can serve.
• You have a CPA in the room and are comfortable placing the policy in an irrevocable trust you cannot later change.

• Any loan amount discussed before approval is an estimate; the final figure depends on collateral, the insurance case, and lender review.
• An existing policy cannot be substituted — a new VMAX policy must be placed in force first.
• Once inside the ILIT, the policy is the trust's, not yours; that is the point, and it is irrevocable.
• Leveraged life insurance carries interest-rate and collateral risk. If the policy earns less than the loan costs, you make up the difference.

Tell me the entity, the ownership split, roughly what the business earns, and your health picture. I will walk you through both paths and bring the program terms in writing.