Infinite Banking

Wealth creation, Wealth protection, Wealth transfer

The current and future impact of taxes is problematic. Limited options coupled with maximum funding limits leave us wondering what options exist to growth wealth.

Early High Cash Value Life Contracts are life insurance policies that can offer a diversified approach to help resolve these issues.

CVWL has tax-favored accumulation, distribution, and transfer capabilities. Early High Cash Value Life contracts are a safe way to build tax-favored wealth: funds for retirement, funds for Long Term Care, tax-favored wealth for dependents and heirs, and for any reason you choose.

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Consider the Following CVWL Benefits:

• No Penalties Pre-59 ½: Unlike certain retirement accounts, there is no penalty for withdrawing life insurance policy cash values” before you reach age 59 ½.
• No 1099s: Life Insurance Cash values do not get taxed.

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Life Insurance Policy Cash Values Are Not Reportable Income.

Legislative Risk: Although the government has changed the rules regarding CVWL on occasion, whenever they have done so, those with existing policies were able to retain the benefits they currently had. This history of “grandfather clauses” bodes well.

• Tax deferred cash value growth.
• Not correlated to market
• Guaranteed cash value accumulation - Equity
• Guaranteed income tax free death benefit
• Strong dividend history - positive correlation to rising interest rates.
• Attractive – Guaranteed Cash Value Growth
• No funding limits
• Access pre - age 59 ½
• Enhanced Care Benefit - Allows insured to accelerate up to 90% of death benefit for chronic prolonged or terminal illness with specific policy riders (See Riders for specific and all details).

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