INNOVATIVE FINANCIAL STRATEGIES
502-907-1299
PremiumLife™ Plus Strategy for Premium Members Nationwide
Why We Believe in the PremiumLife™ Plus Strategy.
In today’s uncertain world, you are wise to take advantage of every opportunity to build and protect your assets – for you and the well-being of your family. Traditionally, life insurance has been an important part of a wealth strategy because it helps protect you and your loved ones from uncertainty. But some life insurance strategies can also help you build wealth with limited market risk, while creating potentially tax-free benefits.
Retirees Have To
Worry About Many Different Risks
- High tax rates
- Volatile markets
- A long lifespan
- Rising healthcare costs
- Unexpected events
Ultimately, all these risks boil down to one:
Could you be at risk of running out of money in Retirement?
Leverage Your Assets to
CREATE MORE WEALTH
- Multiply your potential tax-free income by letting the bank fund your policy
- Structure payments to maximize potential gift tax exclusions
- Avoid potential tax consequences of liquidating assets to pay premiums
- Fund key-person, buy/sell agreements and business succession plans
5 TIMES PREMIUM FINANCE MAY BE A GOOD FIT
-
BIG BUSINESS DEBTList Item 1
Business owners often leverage debt to buy more assets, and the cash flow from those assets is
what usually satisfies that debt. But what happens in the case of an untimely death occurs
before the debt is paid? Premium Finance is a way to create liquidity that will support a debtfree legacy and help avoid having to sell assets at the wrong time.
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FAMILY INTERESTList Item 2
High net-worth individuals often avoid or delay purchasing life insurance because the
premiums required to insure their sizeable interest are too expensive. Premium Finance allows
individuals to leverage their wealth to qualify for bank financing to pay those high premiums.
With this, they know their family will be able to maintain their standard of living should
anything happen unexpectedly.
-
BUY/SELL AGREEMENTSList Item 3
Business succession planning is often over-looked or put off, when it should be a top priority.
Dynamics can change without warning. For example, if a partner dies prematurely, will the
remaining partner be ok with working with the deceased partner's spouse? What about if that
spouse gets remarried...will the remaining partner be ok with working with a stranger? Premium
Finance policies can be a great way to provide liquidity in case funds are needed to satisfy any
buy/sell arrangement before things get messy.
-
PRIVATE PENSION PLANSList Item 4
Premium Finance policies are powered by a unique hedging strategy where the premiums
participate in the upside of the market, but never the downside. When the market is up, the
allocated funds earn interest credits that contribute to the growth of the policy's cash value.
After enough cash builds up, typically around 10-15 years, the cash value is large enough to
satisfy the original loan and provide the policy owner a stream of tax-free income for the rest
of their life. Even after taking income, the IRR's often reach double-digits.
-
TAX-FREE DIVERSIFICATION
High net-worth individuals face the risk of paying the government up to 68% of their wealth
through taxes. Thankfully, Premium Finance is a great option for those looking to diversify
their assets to create wealth that is completely tax-free while staying in control and reserving
their cash flow for what suits their investment needs best.
Protect Against Higher Taxes & Generate
TAX-FREE INCOME
Did You Know?
- Today's top marginal tax rate is 37%
- Traditional investments could be a ticking tax bomb
- Access your cash prior to 59½ with NO IRS PENALTY
How much money should be in your TAX-FREE BUCKET?
TAXABLE
Stocks, Mutual Funds,
Bonds, ETF's, REIT's, Managed Accounts
TAX-DEFERRED
401(k), IRA,
Annuities
TAX-FREE
Municipal Bonds, Roth IRA,
Life Insurance
Interested in our services? We’re here to help!
We want to know your needs so that we can provide the perfect solution. Let us know what you want and we’ll do our best to help.
Contact Us
502-907-1299
