Risks of Premium Financed Life Insurance Owned by an ILIT

Premium financing plans between a financial institution and an Irrevocable Life Insurance Trust (ILIT) can be very complicated and risky arrangements.  Wealthy individuals who are familiar with leveraged financial risk   may desire to borrow money to pay large premiums for insurance owned by an ILIT to offset federal estate taxes.  Often, these individuals can […]

Competitive After-Tax Income for High Bracket Earners with Indexed UL

When an individual accumulates and then receives funds distributed from a financial asset to provide retirement income, there are 2 key values: After-Tax Rate of Return (ROR) and the After-Tax Income stream.  Various taxes must be taken into account when saving for retirement and receiving retirement income such as federal and state income taxes, and […]