Estate preservation and growth - If you plan to
leave a large amount of money to your family they will face estate
taxes, probate and is contestable. Your loved ones may lose a large
percentage due to taxes and the money tied up in court for months. Using our Estate preservation program will increase the amount of
money, is a tax free benefit and is non contestable. Depending on your
age your money may increase 900%. Since this is tax free it is a net
increase of much more. We can also allow you to pull out the money
used and have the policy pay itself.
Premium Financing - You may have or need a
large amount of insurance. Paying the premiums for large policies can
use valuable capital that could be used in other areas. To solve this
problem we will pay the premium for you, you just pay the low interest
on the payment. Your cost is greatly reduced and the policy builds up
enough capital to pay off the loan. The policy than pays itself
keeping it in force. If your paying the premiums on a large policy this option may reduce
your cost. If you need a large policy this option may allow you to get
the coverage you need and keep your cost much lower than you would
expect.
Tax Deductible Premiums - We have a program
that takes advantage of tax deductions allowed when giving an employee
a bonus. Based on how the business is incorporated the owners can use
this as well for their own coverage. This program is a great method of
retaining top employees creating a golden handcuff situation. Using
the double bonus, the receiving person will not have an increased tax
burden. We have other innovative programs as well. Working with you we will be
able to identify the best program and options based on your unique
needs. We will gladly work with your CPA and attorney making sure that
your decision is set up properly. Our experience and company backing
helps make sure that all foreseeable issues are addressed.