Decrease costs due to Employee Wage Garnishments, Child Support and
Bankruptcies. Help your Employees to fund their own Retirements by
providing Financial Education
and reducing the costs of creating a 401k retirement fund.
Owners: Finance your Business Expenses and Fund your Retirement fund
at the same time (Cost
Recover part or all of
monies spent on targeted expenses while still recording them as
an expense to the business
Recover the lost
opportunity costs associated with these expenses
Apply a banking model to
Use the banking model to
become your own financing source for future expenditures
Get money out of the
business on a favorable basis to help supplement retirement
What if you could learn to grow your money at double-digits?
Learn how to protect your retirement money from market crashes?
Borrow for a car, and make yourself richer?
your money tax-free?
Ask us we know how...
Bank utilizes both. It is a system that helps both individuals
and businesses redirect money normally lost to debt, interest and
taxes back into their circle of wealth, while at the same time
ensuring that your dollar gains a positive rate of return every day.
So... Are you 100% sure you
are going to have a great Retirement, or do you have some doubt?
Life Insurance (Term)
The cheapest form of life insurance
at an early age (term prices increase as you age).
Has death benefits for the term of the life insurance
Needs Analysis provided to determine amount to select.
Policy amount can be limited to Income levels set by the
What’s the difference between whole life and term?
life policies have a living benefit, and a tax-sheltered cash account
that builds up inside. Clients don’t
on the gain each year, and that money
can be used in retirement to supplement retirement planning. No such
benefit is available with term insurance. Term insurance only has the
actual life insurance coverage; there is nothing but a death benefit. In
order for the benefit to be paid, somebody has to pass.
Buyers can also add riders to whole life policies, such as accelerated
benefits riders, which enable someone who has a terminal illness to be
able to access as much as two-thirds of the benefits while still alive.
This is something that can’t be done with term insurance.
whole life product has dividends, and the dividends are paid out
much like they would be to a stockholder of a company. Those
dividends can be used to reduce the premium, or they can be used to
build up the cash inside the policy and the face amount.Term
little or no dividends.
Biggest Myth :
Whole life is too expensive.
Facts: In considering
whether to purchase whole life or to “buy term and invest the
difference,” you must take into account not just the premium cost,
but also the length of time you want coverage and your ability to
“invest the rest” efficiently.
• Term insuranceisn’t designed for lifetime coverage. In fact, term insurance is
prohibitively expensive to maintain for the average U.S. life
expectancy of 78.9 years — never mind to age 100. Term costs can
average a staggering $700,000 per $1 million of death benefit, and
more than $4,000,000, to age 100 for a $1 million policy.
Insurance has a lot of Living Benefits (770 account), it's not all about
the Death Benefits! Ask us how, so you can capitalize
on the Living Benefits and build wealth on any Income for
your Life's needs...
Put money spent on a purchase back in your pocket by financing
your own spending
and protect your retirement from being
decimated by taxes.
The Real problem isn't the Rate of Return on Savings... It's the
Interest charges and Taxes eating at your Savings.
back control of this ticking tax bomb and create a tax-free
environment not only for you, but also for your family. Eliminate
the future taxation of money using IRS Code 7702.
Whatever Rate of Return you
earned on your IRA money will easily be cancelled out by the Taxes
paid to the government, and taxes do not go down, they typically go
Move your money from
Accounts that are forever-taxed to accounts that are never-taxed
NEVER LOSE YOUR PRINCIPAL AGAIN, by being in the MARKET.
Use the Cash Value of your
Life Insurance into a Tax-Free Savings Vehicle to finance your
Living Needs (i.e. self-insure yourself vs. buying Long-Term
Insurance and leverage it for other financial needs).
Remove the Tax & Stock
Market Risk & NEVER LOSE YOUR PRINCIPAL AGAIN.
Increase the Amount you can
contribute over tax-deferred accounts.
INDEXED UNIVERSAL LIFE INSURANCE
the IRS out of your back pocket)
Tax rates are at an all-time
Protect yourself from
Liquidity Issues, Tax Risk, Investment and Market Risk with a
Tax-Free Retirement and Estate Protection with a Death Benefit. Cash
Value Life Insurance has Living Benefits to fuel your retirement and
leverage it for financial needs.
You insure your
house, your car, your health, your life...
Why do you not insure
Ask us how to grow
your money WITHOUT losing your Principle (your money).
retirement dollars: tax-free dollars
Roth IRAs offer
Tax-Free Dollars, BUT limit the Annual Contribution.
If you are playing
catch-up with your Retirement Dollars, MOST PEOPLE FAIL to
consider LIFE INSURANCE as an place to put Retirement Dollars.
Listen to Ed Slott's
Retirement Rescue tax advice regarding Cash Value Life Insurance:
Plan for Success & Discover...
to eliminate ALL debt, mortgage included, in
9 years or less.
accumulate wealth on any income.
investing in the stock market is not for everyone - learn smarter
ways to retire wealthy.
401(k) may not be enough and what experts will never tell you about
saving for the future.
How to cut
your tax burden by up to half!
There are two proven
paths to building wealth:
increase the amount of money you make,
OR you can increase the amount of money you keep.
Call for a Plan Review by
an Independent Insurance Agent at our office or email us.