Tag Archives: CD killer

Tax-Free is Better: Sara’s Story Demonstrates the Power of the Tax-Free IUL.

Tax-Free is Better: Sara’s Story Demonstrates the Power of the Tax-Free IUL

Sara 68 understood the Living Benefit Life Insurance concept.  The tax-free death benefit was another plus.

https://www.youtube.com/watch?v=zROM_C0irQ4

Sara had been stuck in a 1% World of Bank CDs. Worried about stock market losses, Sara kept her money in low yielding Bank CDs.  This impacted her life style and her ability to leave a legacy to her children and grandchildren.

Sara was stuck in a 1% World of Bank CDs.  She discovered tax-free is better with the tax-free IUL.  The Power of Living Benefits Life Insurance made a big difference in her life style.
Sara was stuck in a 1% World of Bank CDs. She discovered tax-free is better with the tax-free IUL. The Power of Living Benefits Life Insurance made a big difference in her life style.

We introduced Sara to the Tax-Free Pension Alternative, also known as living benefit life insurance or the Tax-Free IUL, where you don’t lose money when the markets go down. Sara would need $3,400,000 in CDs to generate the same after-tax income that $300,000 invested and accrued for 4 years will produce based on projected returns that are below historical averages. Sara loved this safe income strategy.

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Free Retirement Plan Comparison

CD Killer – Discounted Designer Annuities Video

The CD Killer – Discounted Designer Annuities Video

https://www.youtube.com/watch?v=vOYJP77fqVQ

Discounted Designer Annuities are paying more than 7x the One year Bank CD rate and more than double the Ten year U.S. Treasury. This Safe Income Option is a great alternative to Bank CDs and Treasuries.  It has been called a CD Killer.

Reliable Income paying 7x the 1 year Bank CD rate with discounted designer annuities
Reliable Income paying 7x the 1 year Bank CD rate with discounted designer annuities

See our post on the Safe Income World Video

If you are stuck in the 1% World of Bank CDs, there are options paying 5% or more, with no downside risk. We call these options our Safe Income Strategies. Explore them.  You will be glad you did.

You can find more information on this site and at

retirement-toolbox.com

Looking for a Reliable Income Stream?

Looking for a Reliable Income Stream?

Reliable income you can count on brings peace and comfort.  You  can earn 7x the Bank CD rate with discounted designer annuities.

Reliable Income paying 7x the 1 year Bank CD rate with discounted designer annuities
Reliable Income paying 7x the 1 year Bank CD rate with discounted designer annuities

Discover how to generate a safe steady reliable income you can count on, paying more than Bank CDs, Money Markets & Treasuries without the downside risk and yo-yo volatility of stocks, bonds, mutual funds and commodities

We Offer Three Safe Income Strategies that are focused on Keeping your money safe.  Generating a steady reliable income stream you can count on. Paying more than Bank CDs, Money Markets and Treasuries and without the downside risk and volatility of stocks, bonds and mutual funds.

The Safe Income Strategies work.

Steady reliable income with no downside risk
Steady reliable income with no downside risk

During the Financial Melt down of 2008 & 2009, none of our clients lost money due to market volatility with these strategies.

Their money was safe and their income was steady and reliable.

https://www.youtube.com/watch?v=18VpMxkNpmk

Capital was secure and their Income was steady and reliable.

 

Discounted Designer Annuities

Discounted Designer Annuities

Discounted Designer Annuities

7xBankCDrate

Choose A Designer Annuity for a Steady Reliable Income Stream Paying More Than Bank CDs and Treasuries

Designer Annuities provide a steady reliable income you can count on. Many can be purchased for yields 5 times greater than a one year Bank CD.

So if you are stuck in the 1% to 2% world of Bank CDs or the 2% to 3% world of long term Treasuries, you can become unstuck and enjoy the safe income streams offered by these designer annuities. Your money will grow faster and/or you will have more of it to spend with the higher yields offered by our designer annuities.

They are issued by top rated insurance companies, names that you know. Many of these companies have been around for 100 years or longer.

Designer Annuities can be perfect for self-directed IRAs 401(k)s Trust and Custodial Accounts. They can be used to fund charitable pledges for pennies on the dollar and for those seeking current or future income.

Read more …

Designer Annuities2

Safe Income World For You.

Safe Income World  For You.

Safe Income Options

Our Safe Income Strategies are focused on keeping your money safe, generating a steady reliable income stream you can count on, without the gut wrenching volatility and downside risk of stocks, bonds and mutual funds.

There are new safe income options you are probably not aware of. Until recently, they have been closely guarded secrets, known to a small group of originators, a few billionaires and a handful of hedge funds. This group had no incentive to tell you about these options. In some cases they had signed non compete, non disclosure and non circumvent agreements that prevented them from telling you. Now, this multi-billion dollar niche market has been opened to high net worth, accredited investors. We were able to convince the originators to open a new funding channel.

Discount Designer Annuities

Discount Designer Annuities

Yields too high to publish.

Payments are Guaranteed by top rated insurance companies: Allianz, Met Life, NY Life, Prudential, Allstate, Genworth John Hancock etc.

How Discount Designer Annuities work: When someone buys an immediate annuity (SPIA), elects to annuitize a deferred annuity or is receiving a structured settlement annuity payments, they no longer have a surrender option. They are stuck with the payment stream.

The reason is the Insurance Company has locked in a long term low interest liability, and it is making more money on the premiums it receives than the benefit it is paying out. That is how the Insurance Company make its money. The Insurance Company is unwilling to give up its locked in profits. It is locked in its profits by buying long term bonds. If it has to sell the bonds prior to maturity, it could incur investment losses, and this is not fair to its shareholders and other annuity holders.

Read more …

Safe Income Strategies

Safe Income Strategies

How to Generate A Steady Reliable Income Stream You Can Count On with Our Three Safe Income Strategies

An income that will be there no matter how volatile the markets.

Clients have been demanding safe income strategies in the aftermath of the Financial Market melt down of 2008 and 2009. Dividends have been cut or eliminated. Interest rates have dropped and the credit worthiness of many bond portfolios have reached junk status.

Throw in gut wrenching volatility and investment losses exceeding 50% of portfolio values, even speculators and high risk takers are trying to lower their risk exposure. Risk adverse and conservative investors have become paralyzed with fear. Afraid to sell portfolios that have been cut in half, yet worried their portfolios could be cut in half again.

Read more …

Safe Income Strategy #1

Safe Income Strategy #1

The CD killer.

Moves people from a 1% to 2% world of Bank CDs to a 5% to 6%+ world of Guaranteed payments by top rated insurance companies, many of which have been around for more than 100 years.

We buy future cash flows for cash now. We provide liquidity where no liquidity exist to people who need cash now. The payments we acquire are guaranteed and paid by top rated insurance companies.

Using a 4000 year old idea that has been passed down through the centuries by families of money changers, and applying this idea to a niche in the insurance industry, we are able to take advantage of a secret the insurance industry doesn’t want you to know. A secret that is hidden in plain sight in every annuity and life insurance policy…the right to sell, assign or transfer your policy.

Using this knowledge, we are able to cash out pensions, annuities and structured settlements. There is no provision to surrender an annuity or structured settlement once payments have begun. The insurance companies have locked in a long term low interest liability and they are unwilling to extinguish this liability prior to maturity. They are earning higher rates of return than they are paying out, and they won’t give up the positive spread.

Circumstances change and people need cash now.

We buy the future annuity or structured settlements at a discount…and you get a steady, dependable income you can count on, that’s paying more than bank cds, money markets or treasury’s and without the downside risk of stocks, bonds or mutual funds.

While each transaction is unique, many pay immediate income, others defer payments for a number of years. Recent offerings, all subject to prior sale and change in price:

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Turn $208,975.14 into $418,200.00…Guaranteed and Paid by an AM Best A+ (Superior) rated Life Insurance Company
Purchase Price $208,975.14; Payments received $418,200.00
099 monthly payments of $1,000.00 from 06/01/2011 to 08/01/2019
168 monthly payments of $1,900.00 from 09/01-2019 to 08/01/2033

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Turn $208,975.14 into $418,200.00…Guaranteed and Paid by an AM Best A+ (Superior) rated Life Insurance Company
Purchase Price $208,975.14; Payments received $418,200.00
099 monthly payments of $1,000.00 from 06/01/2011 to 08/01/2019
168 monthly payments of $1,900.00 from 09/01-2019 to 08/01/2033

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Turn $90,264.45 into $310,000.00…Guaranteed and Paid by an AM Best A (Excellent) rated Life Insurance Company
Purchase Price $90,264.45; Payments received $310,000.00
1 Lump Sum Payment of $110,000.00 due 12/15/2027
1 Lump Sum Payment of $200,000.00 due12/15/2032

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Turn $205,129 into $943,000…Guaranteed and Paid by an AM Best A+ (Superior) Rated Life Insurance Company
Purchase Price $205,129.06; Payments received $943,000.00
2 Lump Sum Payments:
$225,000.00 Lump Sum Payment due December 30,2030
$718,000.00 Lump Sum Payment due December 30,2035

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Other offerings can be found at Safe Income Strategies Blog

To participate please call me at 800-955-7898800-955-7898 or email me at BruceECoxCPA@retirement-toolbox.com or becox@coxfn.com Tell me your story.

Clients Demand Safe Income Strategies and Dependable Reliable Income Streams

Clients Demand Safe Income Strategies and Dependable Reliable Income Streams

Dependable Reliable Income  Streams and Safe Income Strategies, are the latest demand for clients burnt by the 2008 Financial Market melt down.

During the Financial Market Melt Down of 2008 and 2009 not only did many people see their IRAs, 401(k)s and other retirement savings cut in half … their dividend checks were cut or eliminated, and interest income lowered.

Financial Market Melt Down of 2008. Many fear it could happen again. Clients demand safe income strategies with dependable reliable income streams.
Financial Market Melt Down of 2008. Many fear it could happen again. Clients demand safe income strategies with dependable reliable income streams.
Many fear it could happen again.

Are you prepared?
We Offer Three Safe Income Strategies that provide dependable reliable income streams
  • Focused on Keeping your money safe
  • Generating a steady dependable income stream you can count on,
  • Paying more than Bank CDs, Money Markets and Treasuries,
  • Without the downside risk and volatility of stocks, bonds and mutual funds.

The Safe Income Strategies work.

Our Dependable Reliable Income Streams fulfill our clients demand for Safe Income Strategies.
Our Dependable Reliable Income Streams fulfill our clients demand for Safe Income Strategies.
  • During the Financial Melt down of 2008 & 2009, none of our clients lost money due to market volatility with these strategies.
  • There Capital was secure and their Income was steady and dependable.