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One product that is great for storing revenue is a specially designed life insurance called Index Universal Life (IUL). With IULs the insurance company links your money to the S&P 500 index. A floor of 0 is put in place making it where you cannot lose your money in any given year. When the S&P500 goes up your cash value will be credited by the insurance company. (I.e 8%). If the S&P500 has a negative year then your cash will be unaffected and will simply stay the same for that year. Here is a scenario: A CEO has 10 million dollars of profits sitting in a bank account growing at only (0.01%). He then transfers it into an Index Universal Life policy where it can grow at an average of 8%. That’s $800,000 a year tax-free. The IUL is designed to help you accumulate your cash. It comes with a death benefit as well in case you pass away.
Buy-sell agreements are used when a company has multiple partners who own shares. If one of the shareholders dies then the spouse inherits the shares (and this can be a problem). Generally speaking the Spouse will not know how to manage the company. A buy-sell agreement is the solution to this problem. With a buy-sell agreement, life insurance is purchased on the shareholders and if one of them passes away then the Spouse will receive a death benefit equal to the value of the shares. In exchange the Spouse gives the shares back to the company.
Key-man insurance is used when a business has a very important employee or executive who the company depends on. Should this key employee die, the insurance company will pay out a death benefit to the company so that they can afford to find and train a new employee to take over.
Everybody wants to retire early and we have specialized financial products designed to help you accumulate wealth with great tax advantages. Many of these wealth products grow tax-free through the protection and umbrella of insurance.
Estate planning is for high net worth individuals who generally have over $12,000,000 in assets and will have a large estate tax bill upon their death. If the family can’t pay the estate tax bill then the government can seize assets. The solution is a specially designed life insurance which will pay a death benefit equal to the estate tax bill. This relieves the family of the burden of trying to figure a way to come up with the money to pay the estate tax bill.
This is a special form of insurance designed to protect high net worth individuals in the event that they or a family member is kidnapped. Should this tragic event occur, the K&R insurance company will pay the ransom and have a hostage negotiator within 24 hours. This is best for wealthy individuals who work or live in high risk environments. This form of insurance is also best for companies that hire contractors to work in dangerous environments and countries.
This is a copyrighted legacy program founded by Michael H Anderson and his Grandfather. The program is designed for wealthy Grandparents who would like to leave an immense legacy for their Grandchildren and even Great Grandchildren.
Disclaimer: Anderson/Escudero Wealth Advisors is a team of financial advisors who specialize in the life insurance industry and who represent some of the top U.S companies. A/E Wealth Advisors, and its affiliates do not provide tax, legal or accounting advice.
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