L.I.F.E. provides many of the same benefits as traditional premium financing, but with less stringent requirements, it’s accessible to more people.

In particular, L.I.F.E. provides the highest projected stream of retirement distributions, thanks to the additional leverage the bank provides. In addition, L.I.F.E. establishes a permanent death benefit that will be paid out to your heirs’ tax free. 

‍If, for a hypothetical example, you invested $100,000 into a 5.74% taxable account for 7 years, your projected returns after tax would be $1.57M. If you invested that same 100,000 into a 5.74% gross indexed life plan, your projected returns would be $6M in tax-free earnings, in addition to the 1.6M age 100 death benefit. 

‍That’s nearly 5X greater performance between the tax-free returns and the death benefit!  Imagine how much of an impact that difference could make in your retirement, and in the legacy you leave behind for the people you love. 

If structured properly, the death benefit will be paid out tax-free, and can even be used to pay any additional estate taxes. This is especially important if you anticipate that your estate could be worth more than $12 million upon your death. 

On top of this, the L.I.F.E. Plan also:

• Allows 1035 exchanges
• Can be structured as a business-sponsored policy for owners and key executives
• Has a broad range of plan designs, including 5, 7, and 10 pay for retirement distributions
• Includes 10 pay and 15 pay death benefit options
• Includes a comparison versus a hypothetical Taxable Account as a reference point
• Works with PDX 2, PIA 6, Horizon, and Survivor

‍And because the policy’s cash value is typically used as collateral for the loan, you’re able to keep more of your wealth invested in other high-returning assets, rather than liquidating investments to provide collateral.