- Single Premium Life Insurance – For your heirs income tax-free but with cash available should you need it. This is a great way to substantially increase the cash value of your estate for your spouse or other heirs.
- Indexed Universal Life Insurance – Over time, designed to provide maximum upside potential of the cash value of your Life Insurance Plan. As your potential cash value grows over the years, so does your death benefit. Eventually, at retirement, you may be able to enjoy a Substantial Retirement Income on which you pay no taxes. At the same time, you have the security for your family of a constantly growing Death Benefit.
- Pension Maximizer Life Insurance – When you retire with a pension, you are usually offered three choices: (1) a fixed monthly amount for your life only; (2) a fixed monthly amount for your life and a reduced amount (usually 60% of the former) for your surviving spouse; or (3) a fixed monthly amount for the life of both you and your spouse. Unfortunately, numbers (2) and (3) are substantially (and progressively) lower than number (1).By the client electing choice (1) above he or she gets the highest Pension Payout. Then, by paying only a portion of the higher payout into the Life Insurance Plan, the Death Benefit will provide retirement security for the surviving spouse should the Pensioner die first. Regardless, of who dies first, the plan still provides an immediate income tax free benefit to the heir(s)
- Term Insurance – When the need is for a substantial amount of insurance for a fixed period of time (5, 10, 20 years), sometimes the best solution is Term Insurance. For a regular, affordable premium, one can obtain a substantial Death Benefit that its income-tax free to the heirs. Policies are available with Death Benefits ranging from $100,000 to many millions of dollars. Surprisingly, applications are accepted through age 85!
Insurance services are provided by Managed Asset Insurance Services CA License# 0C24353