Services

A tax-efficient plan designed for High Earners, ages 18 to 65, making over $250K, concerned they have NOT saved enough for retirement. This is a Non-Qualified “catch-up” plan with no funding limits, created for business owners, key-employees, professionals, and individuals.

Benefits:

• • • Only five annual contributions

    • Provides permanent life insurance to protect your family starting at $1.5 million

    • Access to cash if you become ill

    • Cash value growth potential without market risk

    • Tax advantages as well as protection against tax increases

    • Supplemental tax-free retirement income for 25 years

The Cost?

• • 25% of the full contribution – spread over 5 years (all contributions are matched 3:1)

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Identical to the 5-Yr RRP above. However, participants must be employees of a C-Corp or a Non-Profit (No pass-through income entities). The Enhanced 5-Yr RRP is a Triple Tax-Exempt benefits strategy for C-Corporations and Not-for-Profit organizations only. Seventy five percent (75%!) of the contributions come from a third-party lender (3:1 matching contributions). Therefore, employees can now afford new and greater benefits, in excess of what they would purchase for themselves. All employer contributions are characterized as a “loan” which creates an asset on the books, strengthening the company balance sheet.

Benefits: 

• • • Enhanced 5Yr RRP complies with federal split-dollar life insurance law

    • 100% of plan contributions are made by the employer in the form of pre-tax “loans”

    • The loan is paid back at the death of the insured through life insurance proceeds 

    • The loan is carried on the company’s books as an “asset”, improving the corporate balance sheet (IBITDA)

    • This contributed loan “asset” earns interest at the AFR (Applicable Federal Rate) until paid back

    • Potential for reducing Income and Payroll taxes

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ABIL Life gives individuals a way to finance 100% of their cost of life insurance. By pledging collateral instead of paying premiums, this estate planning strategy allows you to invest and maintain control of your money, and potentially leave more wealth for future generations. ABIL Life allows families more options and flexibility for succession planning. Designed for High-net-worth families above $20 Million, ages up to 65, needing $10,000,000+ of FIXED, permanent life insurance protection, but do not want to pay the high premium costs.

Benefits:

• • • Provides tax-free liquidity to pay for estate taxes and family endowments through fixed, permanent IUL insurance

    • Utilizes Non-Recourse financing requiring No personal loan guaranties

    • No payments of principal or interest are required

    • Avoids gift tax

    • Loans are self-liquidated approximately in the 20th year

    • Typically, No client funds are required for the loan payoff

    • Assigned collateral is required for a term, and may be independently invested and controlled by the client

ABIL Life is designed for succession planning, buy-sell agreement, and key man applications. ABIL Life is one of the most well-designed and comprehensive solutions on the market for high-net-worth families.

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You are age 65+ and NOT in the best of health therefore, life insurance is not a viable option for you. Your net worth exceeds $50 million and estate taxes will likely enrich the IRS as it becomes one of your largest beneficiaries. Even worse, your family heirs will face this same problem with their estates.

Multi-Gen offers a cost-effective solution to this problem by creating estate plans for you, your children, and your grandchildren. This prevents your future generations from needing to sell valuable real estate, businesses, or estate assets to pay their estate tax obligations. Using collateral to fund this estate strategy means that you will be able to keep your current assets in place and continue earning on them with no opportunity costs, liquidation costs, or substantial gift taxes.

Multi-Gen puts a sound estate strategy in place for multiple generations, granting you the ability to pass on the majority of your wealth to your family. Designed for families with net worth above $50 Million with an acute desire to pass most of their wealth to the next generations while reducing estate taxes.

Benefits:

• • • Elegant estate transfer solution for uninsurable generation-one (G1) clients

    • Potentially reduces the taxable estate of G1

    • Provides fixed, permanent IUL insurance coverage on G2 and G3 heirs

    • Utilizes Intelligent Financing:  Loans financing ABIL Life policies are self-liquidated in approximately the 20th year

    • Typically, No client funds are required to retire the  loan

    • Assigned collateral may be invested and controlled by the client

    • US Tax Court sanctioned

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Designed for wealthy families to replenish years’ worth of distributions from family trusts and foundations in order to extend their longevity and effectiveness

Benefits:

• • • ABIL Life policies are placed on one or more trust/foundation beneficiaries, or Board members

    • Collateral is provided utilizing a portion of the trust assets under management

    • Naming the trust/foundation as beneficiary, all or a portion of ABIL Life insurance proceeds pour back into the trust

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