Estate taxes paid through a third party Insurance Trust|
This generally requires a Trust to be the owner of the insurance policy of the owner of the estate. The beneficiary is typically a spouse or in-law who uses the tax-free money to pay estate taxes.
Long Term Care insurance|
Long term care insurance usually pays nursing homes, or medical care facilities, after the 90-day Medicare exemption period. New policies can be structured as annuities with an LTC rider to pay if care is needed.
Disability Insurance generally pays your monthly income as long as you are unable to work in your profession.
Many plans are currently available to pay miscellaneous costs, not covered under Medicare.
Annuities you cannot outlive, including Charitable Tax Credit Gift Annuities|
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Variable Universal Life Insurance (VUL)|
A very popular form of life insurance that is tied to some type of stock market index to increase the value depending on current market conditions.