INDIVIDUALLY CUSTOMIZED POLICIES

Wealthy Americans are scrambling to hide from the Democrats plan to hike their taxes by reducing the federal estate, gift and generation-skipping transfer tax exemption (GSTT). This reduction will be accompanied by an increase in the top tax rate for federal estate, gift and GSTT. Top planners have found a niche strategies called PPLI, PPVA and Captive insurance which shields fortunes from taxes

Overlooked Detail In Policy Design:

Policy Loans: The client’s ability to access cash values. Many carriers charge a high spread on loan values. 

Coverage Age Limitations: As life expectancies increase, it is important to understand what happens to the policy beyond the normal policy maturity age of 95 or 100. Some PPLI contracts omit provisions related to this possibility. A forced return of cash values at an advanced age before death would result in a disastrous income-tax liability.