Presentation on theme: "A TAX-FREE RETIREMENT INCOME. ? ? You wish to... Increase your future retirement income Save additional sums within a tax shelter Lower your annual tax."— Presentation transcript:
? ? You wish to... Increase your future retirement income Save additional sums within a tax shelter Lower your annual tax burden Leave more money to your heirs
Today’s investment vehicles offer investors a wide range of possibilities... However, very few of these investment vehicles can offer investors a tax haven.
Allow us to present you with a complementary financial tool designed to help you accumulate additional savings for your future retirement income while also paying as little tax as possible: The Insured Retirement Strategy, or IRS.
IRS: An Effective Solution A Genesis UL policy offers investors a significant savings potential in addition to allowing you to carry over taxes for as long as sums continue to accumulate Accumulated sums are used to guarantee a loan that will generate a tax-free retirement income The loan, and sometimes even the interest, are reimbursed by the Genesis UL policy at death
IRS: A 3 Phase Process Tax-free accumulation of savings Generation of additional retirement income Loan refund While living Upon death 1 23
How RIS Works PHASE 1 PHASE 2 BANK Your Genesis UL policy is used to guarantee a loan YOU The loan is then used to generate a tax-free retirement income Accumulation of your savings within a tax shelter
Phase 1 Accumulation of your savings within a tax shelter: –Wide selection of investment options –Earnings generated by your savings are only taxable at the moment they are withdrawn –In the event of death, your savings are paid to your heirs in the form of a tax-free insurance benefit
Phase 2 Generation of additional retirement income: –Direct policy withdrawal Possibility of taxation –A loan allows you to make cash withdawals without paying any taxes
Phase 3 Loan refund: Upon death –Your Genesis UL policy is used to refund the loan and interest –The remaining amount is paid to your heirs
Phase 3 Loan refund: While living –Proceed with caution should you decide to refund the loan during your lifetime –Amounts invested in your Genesis UL policy: may be taxable (during your lifetime) possiblility of having insufficient funds available to repay the loan and taxes
Retirement Insurance Strategy –The Insured Retirement Strategy remains, as it is called, a strategy. A 1% variation in the rate of return of your Genesis UL policy or loan interest rate can impact the outcome. –It is therefore essential to revise your Insured Retirement Strategy periodically with the help of your financial security advisor.
Use the Insured Retirement Strategy & Genesis to… accumulate additional savings, increase your retirement income and lower your tax burden