With a net worth of $2.5M required to participate, this option offers a lower barrier to entry with many of the same benefits as traditional premium financing.
In most cases, the policy’s cash value is used as collateral for the loan, allowing you to continue investing wealth in other high-returning assets.
This plan can super-charge tax-free retirement benefits. The additional leverage provides the highest projected stream of retirement distributions.
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Along with tax-deferred growth and tax-free retirement distribution, when properly structured, permanent tax-free death benefits ensure beneficiaries will receive maximum returns. These funds can be funneled toward any remaining estate tax payments, therefore ensuring the ones you love are financially sound. There is also tax-free access to account values when using loans.
Unlike traditional premium financing options that typically require a minimum net worth of $10M or more, Life Insurance Financed Equity is a partial financing option that allows high-income investors with a net worth of $2.5M in assets or investments to strategically save for retirement and access additional tax benefits.
With the individual initially funding a portion of the plan and relying on additional lender funding to cover the remaining payments, this strategy can boost potential retirement income while also (in most cases) using their policy as collateral.
Additional plan advantages include:
Disclaimer: Life Insurance Financed Equity is offered by Goheen Companies in partnership with Optimus Life Designs.
Interested in learning more about all the benefits with this planning option? Speak with one of our team members by scheduling a free consultation.
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