private placement life insurance
Building a Tax-Free Income Stream with Life Insurance
Life Insurance Retirement Plans Explained A life insurance retirement plan (LIRP) offers unique tax advantages that traditional retirement accounts can’t match. These specially designed permanent life insurance policies allow policyholders to accumulate cash value tax-deferred while maintaining access to funds through policy loans. Unlike 401(k)s or IRAs, LIRPs don’t have contribution limits based on income. […]
Premium Financing: How the Ultra-Rich Buy Life Insurance
Premium Financing Life Insurance Explained Premium financing life insurance allows high-net-worth individuals to leverage bank loans to purchase large policies without liquidating assets. This strategy preserves investment capital while obtaining substantial death benefit coverage. The ultra-wealthy use these arrangements to maintain liquidity while creating tax-advantaged wealth transfer vehicles. When structured properly, premium financing life insurance […]
How the Wealthy Use Insurance as a Financial Growth Engine
Cash Value Life Insurance as a Wealth Tool Sophisticated investors increasingly use cash value life insurance as a versatile financial instrument. These policies combine death benefit protection with a savings component that grows tax-deferred. The cash accumulation feature provides liquidity options through policy loans, often at favorable interest rates compared to traditional financing. When structured […]