Executive benefit proposals often focus on retirement income and accounting treatment. This whitepaper introduces a five-dimensional framework that helps boards evaluate the full economic impact of executive benefit decisions.
Executive benefit proposals often focus on retirement income and accounting treatment. This whitepaper introduces a five-dimensional framework that helps boards evaluate the full economic impact of executive benefit decisions.
Whole life insurance is often treated as a uniform product—but in executive benefit funding, outcomes are shaped by design. Two policies with the same premium and carrier can produce materially different results based on how premium is allocated, how funding is structured, and how flexibility is built in. These structural choices directly impact early cash value, risk, and long-term performance—making policy design, not just product selection, the critical variable.
The most consequential decision in many executive benefit plans isn’t the product, carrier, or benefit type. It’s how compensation is embedded in the structure — and whether anyone independent of the provider evaluated it.
Arctis Advisory (“AA”) provides fee-only consulting services and does not receive compensation from product manufacturers. Arctis Insurance Solutions (“AIS”) is a separate insurance brokerage that may receive carrier-paid commissions if engaged for policy placement. Clients are not required to use AIS. Arctis does not provide plan administration, quarterly reporting, recordkeeping, or legal/tax advice. All compensation arrangements are disclosed in writing prior to engagement or application.
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