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Create an Asset using Life Insurance

Life Insurance can be used to create an asset, such as in estate planning when it is used to cover the cost of capital gains taxes at death.

People have many different types of assets in their estates. In the majority of cases these assets fall into five major categories.

Your Estate

Estate Chart

The assets in your estate must first pass through a series of filters before reaching your family.
  • Capital Gains
  • Income Taxes
  • Property Taxes
  • Appraisal Fees
  • Legal Fees
  • Administration Fees
  • Debts
  • Medical Expenses
  • Funeral Expenses

This filtering process will shrink your estate. The wealthier you are the greater the shrinkage.

The four questions we are asked most often are:

  • How many dollars would my family need each year?
  • How long would they need this income?
  • How much capital is required to provide this income?
  • What is the best way to create this required capital in my estate?
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