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As Americans, it's in our nature to stand up to tyrannical taxation. Beginning a Tax-Free Income plan is our personal Boston Tea Party.
Through the overfunding of FIUL Plans you can build up a Tax Free Retirement nestegg that will outpace stock market index returns and fixed rates of CD's while protecting you against losses or economic downturns. While cash accumulation is the main beauty of these plans you are also covering your Family in the unfortunate case you have a heart attack, stroke, cancer, are disabled, get a chronic illness or terminal illness and includes a death benefit (insurance benefits can be on you alone or your wife & kids).
If Insurance, Death Benefit & Living Benefits are your main concern we set these policies up paying the target premium. Your Face Amount will increase during the lifetime of the policy and benefits will last to age 120. You have the option on adding benefits for your Wife and Kids.
If Cash Accumulation is your goal, then we keep the Face Amount and Incurance Benefits to a minimmum & Level (adding Term Benefits if necessary that usually drop off when you begin Income) so that more money will be going to the Cash Value.
This would require significant overfunding of the policy, about double the Target Premium. The only way these plans work they way they should, maximimizing Tax-Free Income while keeping Insurance benefits in force to age 100+ is by significantly overfunding it.
I also add a Liquidity Rider when Cash Accumulation is the main goal.
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