Not one of these taxes existed 100 years ago

Why you should over-fund a life insurance policy that grows your excess cash tax deferred, allows you to withdraw your cash tax free and pays a tax free death benefit…

…Because not one of these taxes existed 100 years ago…And our nation was the most prosperous in the world

Building Permit Tax
CDL License Tax
Cigarette Tax
Corporate Income Tax
Dog License Tax
Federal Income Tax (Fed)
Federal Unemployment Tax (FU TA)
Fishing License Tax
Food License Tax
Fuel Permit Tax
Gasoline Tax
Hunting License Tax
Inheritance Tax
Inventory Tax
IRS Interest Charges (tax on top of tax)
IRS Penalties (tax on top of tax)
Liquor Tax
Luxury Tax
Marriage License Tax
Medicare Tax
Property Tax
Real Estate Tax
Service charge Taxes
Social Security Tax
Road Usage Tax (Truckers)
Sales Taxes
Recreational Vehicle Tax
School Tax
State Income Tax
State Unemployment Tax (SUTA)
Telephone Federal Excise Tax
Telephone Federal Universal Service Fee Tax
Telephone Federal, State and Local Surcharge Tax
Telephone Minimum Usage Surcharge Tax
Telephone Recurring and Non-recurring Charges Tax
Telephone State and Local Tax
Telephone Usage Charge Tax
Utility Tax
Vehicle License Registration Tax
Vehicle Sales Tax
Watercraft Registration Tax
Well Permit Tax
Workers Compensation Tax

(And to think, we left British Rule to avoid so many taxes)

Case Study #8: Non-Reportable Tax FREE Money

Help me please…Consider 2 methods of Creating $5 Million Tax-Free…

…Which 1 method Would You choose?

Proposition: Do you have grandparents, parents, children or children planned for the future?
Question: Would you like to create and transfer $1 million to $25 million tax-free at your parents or grandparents generation to yourself or your children?

Explanation: This is a real case I am working on for a couple of healthy 50 year old couple who would never buy life insurance unless the premiums and potential where this motivating.

This is so simple….this is a strategy they brought to my office to get a second opinion:

  1. Pay a $21,575 premium per year into a life insurance policy* with a $5 million tax free death benefit.   .
  2. The Internal Rate of Return (IRR-that means the number is compounded back to year 1) at life expectancy at age 90 is 7.03% tax free or if it was a taxable investment they would need an equivalent of 11.71% to net 7.03%.

That is a very good return! Who has compounded taxable money for 40 years at 11.71%? Not many people we know.

But wait….Here is what I proposed for the same $5 million*:

  1. Pay a $44,750 premium for year 1 & 2.
  2. Pay NO premiums years 3-10.
  3. Pay $385 premium year 11
  4. Pay $1,620 premium year 12
  5. Pay $1,757 premium year 13
  6. Pay $1,946 premium year 14
  7. Continue to pay minimum premiums years 15 through the life of the policy

The Internal Rate of Return at life expectancy at age 90 is 9.64% tax free or 37% higher than the 7.03%.

If it was a taxable investment they would need an equivalent of 16.06% to net the 9.64%.

Minimum out-of-pocket cash and 37% higher tax free returns with moderate risk.

Which way would you fund the premiums…option 1 or option 2?
*This is an index life policy with a 6.5% annual crediting rate based on the performance of the S&P 500. The policy has a 12% annual cap cap on the crediting rate and a 0% annual floor. Be sure to consult with a financial advisor and see all illustrations for details.

Do you own the “OLD” or the “NEW” Type of life insurance policies?

What’s The BIG


Trade your “OLD’ policy in for a “NEW” policy

that gives you access to the death benefit TAX FREE

during your lifetime*!

You understand that severe illnesses can happen at any time, to anyone. Fortunately, families can help protect themselves financially in their time of need.

Did you know you can buy or even convert or transfer your current term or permanent life insurance policy for a policy with living benefits tax-free during your lifetime, if you qualify?

It offers early access to the policy’s death benefit tax free to help pay for expenses brought on by a qualifying critical, chronic or terminal illness.

I recently read that up to 70% of people over age 65 will suffer

a chronic illness during their lifetime.

It’s time to THINK about protecting your money so your family

doesn’t have to pay taxes and drain your retirement funds

in the event you become chronically ill.

Start now by letting us show you how to buy a new policy or even convert

or exchange your current term or permanent life insurance policy

for a policy with tax-free living benefits.

Need help? Just call for a quick conversion analysis.

Tax-Free Strategy Alert #1 of 7

This is a strategy that could work for almost anyone…if you qualify.
Watch this short video and ask yourself, “How come no-one ever told me about this?”
Look closely at the “internal rates of return” (IRR), in short that means compounded every year back to year 1.

Do you know anyone else making these types of returns? (Go back and read the first 21 pages from my latest book.


Click this link to watch my short video clip and then contact me for numbers that could help you and your family.

What return numbers would you need to see to get excited?