Tax Free Retirement

Is Life Insurance a Sound Investment?

Absolutely Yes. Life insurance is the best Tax Free Retirement investment you can find!

Most investors who invest in the stock market are usually advised by their stock broker and or financial advisor to check their investment choices with their tax advisors. The problem is, most investors never consult with their tax advisor regarding their investment choices which usually results that their investment end up either with big losses on wall street, or with a large tax bill that ends up losing a substantial portion of their principal investment amount.

That is not a good investment decision. If you choose to invest, you want to protect your principal capital and grow it over the years to utilize it in your retirement years when its needed the most, and you want it TAX FREE at retirement!

What do you prefer, tax free retirement investment while protecting your principal, or tax infested investments that looses value throughout the years!

Most people don’t look at life insurance as a tax free investment vehicle. However, it is becoming a popular option among affluent taxpayers, corporations and trusts because it provides the best after-tax returns compared to other investment options.

Life insurance has evolved dramatically in the past few years, there are many great life insurance products that offer superior return on investment, living benefits, protection of principal invested, accumulated cash value, terminal illness benefits, chronic illness benefits and of course death benefits to protect your loved ones.

The easiest way to see what life insurance can and cannot do is to make a simple comparison with other investment options. We make sure that the comparison is fair and that all costs, including tax effects, are analyzed on a year-to-year basis for both the tax free life insurance and the alternative investment. We don’t use investments that have completely different risk profiles; as the comparison results will not be accurate.

If it is properly structured, life insurance can provide the following tax advantages:

• Your heirs will receive the death benefits tax-free.
• The cash values grow tax-deferred and any withdrawals are tax-free until the cumulative investment (in the contract) is recovered.
• A loan from the policy is not taxed as income.
• The death benefit will pay off any outstanding loan balances income tax-free at the time of death. The death proceeds can even be estate tax-free if the policy is owned by an Irrevocable Trust.

A life insurance program can be customized to meet your individual needs and particular objectives. If you are after the tax-advantaged cash value accumulation, you can minimize the life insurance benefit if you wish. In many cases though, the benefit is the most valuable feature since it immediately creates a capital sum at death that cannot be duplicated by any investment.

If you would like to discuss the tax benefits of a life insurance investment, please contact Mike Habib, EA at 1-877-788-2937.

We service all Southern California areas as Los Angeles, Pasadena, Glendale, Burbank, Whittier, Beverly Hills, San Fernando Valley, San Gabriel Valley, Inland Empire, Riverside, San Bernardino, Orange County, Newport Beach, Irvine, Santa Ana, Long Beach, Lancaster and other cities in the state of California
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