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Cash Value Life Insurance

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

While many people purchase life insurance 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 access funds […] Read more

Comparing IRC 7702 plans to 401(k) 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 […] 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 cash value life insurance policy that would further multiple financial and risk management goals, such as building a retirement plan, covering disability insurance, providing […] 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

Under certain circumstances, it makes a lot of sense to buy life insurance on two people, that pays out upon the death of both individuals. This type of life insurance is known as second to die or survivorship life insurance. What is Survivorship Life Insurance? Survivorship insurance, also known as a Second to Die policy, […] Read more

The life insurance retirement plan, AKA LIRP, is a powerful financial tool that offers many benefits and has been used by millions of Americans to protect and secure their financial future. In the highly competitive financial services sector you will hear advice for many different products and strategies, but rarely will you come across something […] Read more

It’s tempting to think of charitable donations and bequests to heirs as a zero-sum, either/or proposition.  There’s a finite amount of wealth to be distributed, and every dollar that goes one place can’t also go somewhere else. Now, to a certain extent, that’s an unavoidable constraint.  However, when you bring life insurance into the mix, […] Read more