Clients count on you to protect
their future. CHEIFS® gives you
a new way to do it.
Strengthen Your Client Relationships
Why CHEIFS?
CHEIFS (Cornerstone Home Equity Insurance/Investment Funding Solutions) is a patent-pending, non-debt strategy that converts home equity into cash for insurance planning needs. CHEIFS helps preserve existing assets while funding new coverage.
Let us show you how.
CHEIFS is now integrated into Wealthy and Wise® Advanced, enabling side-by-side modeling of status quo vs. CHEIFS-funded scenarios.
- Compare status quo vs. CHEIFS-funded plans
- Evaluate long-term net worth, liquidity, and estate outcomes
- Preserve invested assets while accessing new liquidity
- Support best interest and due care standards
How it Works
CHEIFS gives you more flexibility to craft the right insurance strategies for clients who may lack liquidity.
Meet Bill & Mary
Meet Bill and Mary Simpson, a couple in their mid-50s preparing for retirement. With $2.3 million in combined investments and a fully paid-off $1.5 million home, they wanted to increase retirement income without liquidating their portfolios or taking on new debt. Using CHEIFS, they accessed a portion of their home equity and re-allocated it into an Allianz ABC annuity, modeled through InsMark’s Wealthy and Wise® Advanced platform. The results showed higher liquidity, steady cash flow, and over $875,000 in cash remaining by year 40 — all while preserving lifestyle and financial security.
CHEIFS gives insurance professionals a powerful new funding path — allowing clients to create liquidity for protection, income, and LTC planning without loans or monthly payments.
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