The Ultimate Investment Vehicle
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IGIC – The Physicians Dream Come True
What Is an Investment-Grade Insurance Contract?
An investment-grade insurance contract, or IGIC, is an insurance contract that allows you to both invest your money without having to pay taxes on its growth and use it when you need it without having to pay taxes on any money withdrawn. That means you can invest your money, earn interest, and earn interest on the interest, largely tax free.
You can also leave it to your heirs without it being subject to income tax. So no taxes while it is accumulating, no taxes while you are distributing it, and no taxes when the death benefit gets passed to your heirs.


ASSET PROTECTION


TAX STRATEGIES


ESTATE PLANNING
Why Haven’t I Heard of an IGIC ?
That way, your money is being invested rather than just set aside for your heirs.
it has the same tax protection and benefits as any other insurance contract.
So What Exactly are Those Tax Benefits ?
First is the accumulation stage, where you are earning money
and putting it away into some investment vehicle.
During the distribution stage,you are reaping what you’ve sown
and able to pull money out of the investment vehicle.
Finally, there is the wealth transfer stage, which is when you pass on
what you have accumulated to others.
Tax Benefits With an IGIC
Accumulation Stage
Contributions are made from tax paid money
No limits to what you can contribute annually
Funds not subject to market risks
Distribution Stage
Distributions are tax free (with few exceptions)
No age limits exist on withdrawals
Wealth Transfer Stage
The death benefit pays off any loans you have taken against the cash value and the rest is passed on to your heirs tax free.
Tax Benefit with Typical Retirement Accounts
Accumulation Stage
Contributions are tax deductible
Severe limits to what you can contribute annually
Funds are subject to market risks
Distribution Stage
Distributions are fully taxed
Age limits exist on withdrawals
Wealth Transfer Stage
Monies that are left are included in your taxable estate and heirs will have to pay income tax on the money withdrawn.
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Our Suite of Tax Strategies
INVESTMENT GRADE INSURANCE CONTRACTS
UPSTREAMING
INDEXED UNIVERSAL LIFE INSURANCE
INFINITE BANKING
Infinite banking, also referred to as “being your own bank,” is not a product, but rather a method through which you can use your whole-life insurance account to turn yourself into your own banker.
SELF-DIRECTED RETIREMENT ACCOUNTS
INFINITE BANKING
The new tax bill makes small decreases in tax rates for most brackets for individuals, but creates much bigger savings for corporations, including the elimination of the corporate alternative minimum tax. Small businesses implementing a pass-through tax strategy will also find significant savings. So will businesses with significant income generated outside the United States.
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Frequently Asked Questions?
Why Haven't I Heard of an IGIC?
With cash-value life insurance, the insured was not only buying a death benefit, but was also accumulating a cash reserve—something the insured could use while they were still alive, like an emergency fund or retirement account.
But because life insurance contracts have huge tax benefits over other more traditional investment vehicles, savvy investors started. …
Will tax upstreaming work for me?
For example, say you live in a state with a maximum income tax rate of 13.3% (we’re looking at you, California). In that state, $100,000 of business income means $13,300 in state taxes. If you shift that income to a state with no income tax (Alaska, Florida, Nevada, South Dakota, Texas, Washington and Wyoming—and New Hampshire and Tennessee, sort of). Here’s where the math gets easy. Your savings is $13,300 – $0 = $13,300. That’s a big chunk of change.
Of course it is not as simple as ……
What is a Universal Life Insurance Policy?
Term life insurance is life insurance for a certain definite term, expressed in the number of years in the life of the policy. For example, twenty-year term insurance provides insurance against the death of the insured for twenty years, as long as the premiums are continually paid. Term insurance is relatively inexpensive until the term ends (for most people), and then if the insured wants to renew, the premiums go up substantially (because the insured is now several years older than when the policy was created). There is no cash value of term insurance.
Whole life insurance, on the other hand, is permanent. They provide not just a death-benefit, but also a cash value. And because you’re not just purchasing a temporary death benefit without cash value, the premiums for whole life are going to be significantly higher than with term life insurance. But the premium amount is also flexible. However, a good portion of those premiums is being invested, and the cash value of your policy grows, and much of it can be withdrawn if the need arises, without penalty. There is also no limit to the amount you can contribute annually.
IULs are a specific type of whole life insurance policy where the cash value of the policy grows based upon index performance…
What is Infinite Banking?
Banking is a multi-billion dollar industry. Bank of America, Wells Fargo, and Citigroup made a combined $53.2 Billion in profits in 2017.
If you set up your estate plan right, you can be your own bank, which means you can take that portion of the bank’s profits they would have earned from lending you money and keep it for yourself.
Infinite banking, also referred to as “being your own bank,” is not a product, but rather a method through which you can use your whole-life insurance account to turn yourself into your own banker.
Here’s how it works. First, you have to set up a whole-life insurance policy. As you put more money into the account, the cash value grows tax-free.
How is a Self-Directed Retirement account different?
The money you contribute to a traditional IRA is typically invested in stocks, bonds, or mutual funds. The difference between a traditional IRA and a self-directed IRA is that you have more investment options with a self-directed IRA: there are a number of alternative investments you could choose to store your money, like real estate, private mortgages, precious metals, intellectual property….
Trump Tax Plan
The House of Representatives passed the “Tax Cuts and Jobs Act of 2017,” (Trump Tax Plan) on December 20, 2017. It’s the biggest piece of tax legislation since Ronald Reagan’s Tax Reform Act of 1986.
The new tax bill makes small decreases in tax rates for most brackets for individuals, but creates much bigger savings for corporations, including the elimination of the corporate alternative minimum tax. Small businesses implementing a pass-through tax strategy will also find significant savings. So will businesses with significant income generated outside the United States.
Some of these reductions are only temporary and they come at the expense of some long-relied-on tax breaks.
Most of the changes take effect beginning 2018. Here are the highlights:
Tax Changes for Individuals and Couples
Changes effective through 2025:
-Tax rates are reduced up to 4% depending on the bracket (some have no changes), with a range of tax rates
from 10% to 37%
-Standard deductions have increased significantly:
-Married couples filing jointly—$24,000 from $12,700
-Single or married filing separately—$12,000 from $6,350
-Heads of household—$18,000 from $9,350
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