Tax Free Retirement with Life Insurance?


Tax-Free Retirement is taking the financial industry by storm!

Most investors who invest in the stock market are usually advised by their stock broker and or financial advisor to check their investment choices with their tax advisors. The problem is, most investors never consult with their tax advisor regarding their investment choices which usually results that their investment end up either with big losses on wall street, or with a large tax bill that ends up losing a substantial portion of their principal investment amount.

That is not a good investment decision. If you choose to invest, you want to protect your principal capital and grow it over the years to utilize it in your retirement years when its needed the most, and you want it TAX FREE at retirement!

Most people don't look at life insurance as a tax free investment vehicle. However, it is becoming a popular option among affluent taxpayers, corporations and trusts because it provides the best after-tax returns compared to other investment options.

Life insurance has evolved dramatically in the past few years, there are many great life insurance products that offer superior return on investment, living benefits, protection of principal invested, accumulated cash value, terminal illness benefits, chronic illness benefits and of course death benefits to protect your loved ones.

If it is properly structured, life insurance can provide the following tax advantages:

• Your heirs will receive the death benefits tax-free.
• The cash values grow tax-deferred and any withdrawals are tax-free until the cumulative investment (in the contract) is recovered.
• A loan from the policy is not taxed as income.
• The death benefit will pay off any outstanding loan balances income tax-free at the time of death. The death proceeds can even be estate tax-free if the policy is owned by an Irrevocable Trust.

The basics for the Retirement Account are simple,  a professionally designed account will allow you to pay premiums into a policy for a certain period of time, at point the policy is  paid, you will draw annually return Tax Free Income from the Policy until said time of your death and then your beneficiary(s) will receive the coverage amount balance Tax Free.

This program will allow you to transfer from Taxable accounts into Non taxable accounts on growth of account called wealth leveraging.

It is becoming extremely important today because of the enormous positive ginas that exist with No Risk and the end results being payable Tax Free distributions.

There are many factors involved , so speak with a professional to meet your goals and needs.

If you are considering purchasing a Tax Free Retirement Program, call for a free consultation today.

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