Welcome to Life Policy Pros, Inc.
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With over 33 years of experience in financial services with a concentration in life insurance planning and design, our practice is focused on partnering with independent financial advisers and insurance agents to help them grow their practice and increase profitability.
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Our Focus
1. Tax free income for High Net WorthI have a preferred relationship for Kai-Zen. Kai-Zen is one of the ONLY strategies that uses leverage to help you acquire more of the insurance benefits you need to financially protect you and your family. Kai-Zen's unique fusion of financing and life insurance offers you more death benefit and helps supplement retirement more than you could without leverage.
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2. IRA RescueMost people have their retirement savings in IRA's and 401k's. These potentially tax time bombs are a win for the tax man and a loss for the client. Future taxes will be paid when money is needed most in retirement and at unknown and potentially higher tax rates. Systematic transfers to tax-favored plans, Roth conversion like, could provide substantially more benefits.
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3. Efficient Wealth Creation and TransferLife insurance creates more long-term wealth than any other investment. And because this wealth is income tax-free, it is much more valuable than tax-deferred retirement savings that are at the mercy of future higher tax rates. It's the leverage that creates the wealth. Life insurance is the only investment where one dollar can do the work of many and the result is guaranteed and tax-free. With an IRA for example, it would take many years to multiply that balance; and when it is withdrawn, it will be diminished by taxes.
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4. Asset ProtectionLife insurance is considered the financial product of choice for protecting the economic security for our family. The insurance industry has added riders that allow clients to access the death benefit portion of their life insurance policy in the event of chronic long-term illness, critical illness or terminal illness.
This accessibility to these tax-free funds, allows the choice to not accelerate withdrawals from qualified plans, or liquidation of other assets, thus incurring additional taxes and leaving a surviving spouse with diminished financial security. |
5. Premium Financing
Most successful people are so busy creating wealth that they don't have the time to protect it. Estate taxes can be crippling and your level of net worth requires a proactive estate tax strategy to ensure that your estate stays intact without spending too much or taking away the ability to earn on your assets.
Life Policy Pros, Inc. uses leverage to purchase the life insurance you need, which allows you to keep assets withing your control, continue to earn a rate of return, and not trigger any gift tax.
Life Policy Pros, Inc. uses leverage to purchase the life insurance you need, which allows you to keep assets withing your control, continue to earn a rate of return, and not trigger any gift tax.
Let's discuss your next client opportunity. Call me today at 609-238-9391.
info@lifepolicypros.org
"Partnering with me is one way a producer can help grow their practice and build deeper more meaningful relationships with their clients."
