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What is Captive Insurance?

A captive insurance company, often referred to as a “captive”, is a risk transfer entity and an alternative to the traditional commercial insurance and reinsurance markets. A captive is a privately held insurance company that is usually a subsidiary of the insured business. It issues policies, collects premiums and pays claims, just like a commercial […]


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MEC Equity Indexed Life Insurance vs. Fixed Indexed Annuity

When planning for retirement and weighing the options of an FIA or an Equity Indexed Life Insurance policy, the EILI policy will often provide higher annual returns. This means that it will generate more money in retirement. Not only will the client benefit from increased income amounts, but the life insurance policy will also have […]


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Modified Endowment Contract Cash Value Policy & Fixed Indexed Annuity

MEC rules have changed the way clients are able to fund a cash value life insurance policy. The following article discusses these new rules and examines how they have an effect on those who are trying to find a way to generate wealth in a tax free manner to be used in retirement. Fixed Indexed […]


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Premium Financed Life Insurance

Many premium financed (leveraged) life insurance policies will require individuals to have liquid wealth or assets. These will be used as collateral when taking out a loan to fund the insurance policy. Most types of these programs are not advantageous, but there is one Premium Financed (Leveraged) Life Insurance program that offers a solid opportunity […]


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Premium Financed Life Insurance Policy

It has already been established that using the best premium financed life insurance (BPRLI) policy will provide ultimate benefits to clients for Estate Planning and Asset Protection. The following article highlights the many benefits of using BPFLI as well as a detailed example citing just how much an insurance policy could grow by using BPFLI. […]


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Life Settlement Contract

For many years, policy holders have wanted to sell unneeded life insurance, via life settlement contracts, but this was done in a way that was not beneficial to the client or the advisor. A new method has been introduced which will mitigate abuse of the life settlement broker who may not fulfill his fiduciary responsibilities. […]


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Life Insurance Asset Protection

Warning: Some Life Settlement programs require the individual to be an accredited investor (definition: //en.wikipedia.org/wiki/Accredited_investor). If you are not an accredited investor, please stop reading immediately. Life Settlement Return Rates as high as 10-20% with No Stock Market Risk? No, this is not irrevocable trust asset protection. With the dramatic fluctuations that have occurred in […]


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Life Settlements

Warning: Some Life Settlement programs require the individual to be an accredited investor (definition: //en.wikipedia.org/wiki/Accredited_investor). If you are not an accredited investor, please stop reading immediately. Life Settlement Return Rates as high as 10-20% with No Stock Market Risk? No, this is not irrevocable trust asset protection. With the dramatic fluctuations that have occurred in […]


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Section 79 vs Cash Value Equity Indexed Universal Life

Section 79 is compared to the a high value cash value EIUL (equity indexed universal life). Wash loans are used in both comparisons. We see the tax free rates of return in retirement. Section 79 Rates of Return It is important to understand how Section 79 Plan illustrations are run. Typically, the administrator that demonstrates […]


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Life Insurance Accounts Receivable Factoring

Many doctors are at risk for falling for a sales pitch that claims to protect the A/R (accounts receivables) in their medical practice. Many doctors are buying into certain life insurance plans that offer minimal benefits at all simply because they are trying to protect the assets of the accounts receivables in the medical practice. […]


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