We will present the defenses for financial leverage in the most sensitive manner, as there are issues that are inherently not meant to be raised and it would be a mistake not to raise them - and address them.
Real-Life Illustration:
When an ordinary person takes a mortgage from the bank, they are required by the bank to purchase mortgage insurance. Thus, in case of death of one of the spouses (God forbid), the insurance company will return the money that was loaned to the bank instead of seizing and liquidating the assets of the living spouse and evicting them from their home.
When an entrepreneur or contractor or controlling owner of a development company receives credit from the bank or financial accompaniment for investment in a project, if unfortunately any of them passes away, there is no insurance like mortgage insurance, or insurance protection, and as a result, the bank, which demanded as collateral the pledge of private assets - apartments (including the deceased's family home)... properties, lots, liquid funds, cars, and more - will want to realize the guarantees to cover the loan.
No insurance policy covers cases of this type: not entrepreneur insurance, not income-producing real estate and holdings insurance, and not contractor insurance. It's dangerous for the borrower's assets, dangerous for the future of their partners and family - and this is the reality today.
Protections for financial leverage. A very sensitive area but... extremely important
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It is precisely for these cases that financial leverage protections are intended.
The importance of this insurance is not only for protecting the family of the borrower.
What happens to controlling shareholders or partners, one of whom is a key person in the company - whose death causes the collapse of the company and the projects it carries out like a house of cards? Protection against the realization of assets given as guarantees against taking out credit or financing, including private assets, is a dramatic issue in the construction and real estate industries, which are saturated with financial leverage.
To date, every contractor and entrepreneur to whom we have offered the protections for financial leverage has bought the idea with both hands. |
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The response we received when we presented the problem inherent in taking credit in amounts of millions and tens of millions of shekels was: "Wow... I never thought of that"... or "How lucky that you thought of this and came to offer it to me..." as well as: "I don't understand how we didn't think of this - we took everything into account and now it turns out we have a big gap here that could collapse us..."
And now I have a question for you:
What is the amount of credit/financing you've taken from the bank yourself or together with your partners?
Contact us, and together we'll examine all the financial commitments and guarantees you've given to the bank for the purpose of receiving credit or project financing.
Against the total commitments, we'll create for you a financial leverage protection system that will provide your partners, your business, or your family with a significant cash flow that will help them "get back on their feet" financially, and ensure that in an extreme case, the family or partners or business will not be harmed, property will not be seized, and real estate assets or projects will not be transferred to a receiver.
Defenses to financial leverage and its importance to the entrepreneur
Financial leverage protection is intended primarily for entrepreneurs, controlling contractors and partners in companies that invest in real estate projects and whose financial source for their investment is bank financing. In most cases, these are large financial amounts that originate from bank or other credit and for which the collateral provided includes private assets. For you and for your family or partners, financial leverage protection is the "calm pill".
Protections for financial leverage and the construction of energy facilities and solar fields
The connection between financial leverage protection and insurance for the construction of energy facilities and solar fields is very close. Projects of this type have a huge financial volume and scope that comes in most cases from credit or bank financing. Second, these are projects that, in addition to all the reasons we have listed so far, are also exposed to natural disasters that may cause damage from project strikes and collapse...
Financial leverage protections and TAMA 38 insurance
TAMA 38 insurance policies are among the most complex and difficult to formulate due to the high level of risk for an insured event. These events, such as damage to neighboring houses, damage to the structure itself during the excavation of the foundations, may lead to the financial collapse of the contractor. Well, financial leverage protection is like "strengthening your financial foundations" and a safety net for your family...
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