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Cash Value Life Insurance

The Many Benefits of Cash Value Life Insurance Generating tax-free cash flow with a proven and reliable asset Although life insurance is oftentimes purchased for the death benefit it provides, there are actually many ways that this flexible financial vehicle can be used – and no one has to die in order to receive monetary […] Read more

If you’re looking for ways to maximize your available cash, while at the same time reducing – or even eliminating – the amount of tax that you’ll have to pay in order to access it, a life insurance policy could provide you with a solution. While many people think of life insurance coverage only for […] Read more

While many people purchase a life insurance policy for the income tax free death benefit that it can provide to their survivors, there are numerous other ways that this flexible financial vehicle may be used in a financial or retirement plan – even when the insured is alive. One of these is the ability to […] Read more

Comparing IRC 7702 vs 401k and 529 plans Which of these vehicles – if any – belong in your financial plan? When it comes to retirement planning, many people are familiar with the more “traditional” avenues, like employer-sponsored 401(k) plans and Individual Retirement Accounts, or IRAs. But there are some additional options that a lot […] Read more

The following is the complete transcript of our webinar titled College Saving and Funding with 529 Plans vs High Cash Value Life Insurance. We have incorporated back links into the transcript where appropriate so our readers can dig a little deeper into the concepts and ideas discussed here. Steven Gibbs:                    Thank you all for joining […] Read more

The Ultimate Financial Flexibility and Control Using Insurance Trusts or “Grantor Trusts”, to Reduce (or Eliminate) Asset Transfer Taxes and Decide What Happens with Your Savings, Property, and/or Business – Now and In the Future While you may have spent a great deal of your life thinking about offense (by saving, investing, and trying to […] Read more

Whether you already have life insurance or you’re thinking about obtaining a whole or universal life policy, cash value is likely to impact your financial planning. Indeed, if you want to fully appreciate the utility of life insurance as a financial planning tool, you need a good understanding of how cash value works and how […] Read more

Here at I&E, we ask the question, “What if you use can cash value life insurance for something more powerful than only death insurance?” What if you could fund a permanent life insurance policy that would further multiple financial and risk management goals, such as building a retirement plan, covering disability insurance, providing long term […] Read more

Unlike the majority of the articles that are about using whole life insurance in retirement, we are actually going to give you some reasons why whole life is a good choice for people who are not among the 1%. You see, whole life provides certain benefits, such as a tax favored status, that makes it […] Read more

Imagine you and someone else, like your spouse or business partner, are covered under a unique type of joint life insurance that only pays out after both of you have passed away. Insuring two people on the same policy that only pays out when both have died is called a survivorship life insurance policy. It’s […] Read more