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how you can legally avoid taxes to the IRS. thats right superstar. tax-free money.

secret. is. out.

what i'm currently reading...

(so you don't have to)

highly recommended.

when borrowing money to buy a new car...

the loan is not taxed. (the car is)

loans aren't taxed. (items are)

> now entering the ring...

the undefeated...

champion of the financial industry...

I.

U.

L.

how is this bad boy undefeated?

with indexed universal life insurance,

you will never lose money due to a market decline… ever!

GUARANTEED.

(its in the contract)

also...

carrying a feature that allows you access to tax-free money.

LEGALLY.

✨let's dive in

withdrawals vs loans (how is this legal?)

a tax-free withdrawal is allowed on premiums paid to date.

(this is your new savings account, your own bank)

withdrawing money beyond whats been paid to date...

... is taxed as ordinary income (expensive)

if you have a 401k, buckle up.

ordinary income is your only option.

here it comes… don't miss it.

> the policy loan provision.

important distinction 👇

you're allowed to take loans against your cash value.

(saved money thats grown, safely)

cash value acts as collateral for the loan.

okay okay. loans might not sound sexy...

YET.

what if…

you were charged 0% interest and not required to pay back your loan?

✨let's break it down

assume your loan has 4% interest.

you're now being charged 4 percent per year on the borrowed money.

> only half of the puzzle.

when the loan is taken...

the life insurance company essentially removes that amount from your cash value.

as collateral.

into a separate account.

which earns 4%.

in short:

take out money using the loan provision.

you're charged 4 percent and earning 4 percent.

this means a wash.

make sense?

more good news

since the money is distributed as a loan...

> it doesn’t show up on annual tax returns.

to the IRS. it’s invisible money.

legal - BOOM.

> final puzzle piece

the death benefit’s unique tax treatment allows this whole strategy to work.

death benefit proceeds are income tax-free.

not estate-tax free.(proper estate planning is required)

hit “reply” and i’ll hook you up

> when a policy owner dies...

his tax-free and interest-free loan received is paid off with the income-tax-free death benefit.

once paid off, remainder gets paid to the designated beneficiary.

(also income-tax free)

> what’s the catch?

if you understand you're buying life insurance there really isn’t.

people need the life insurance.

> why isn’t everyone doing this?

two reasons.

majority don’t know about it. yet.

you must medically qualify.
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got a question? hit “reply” and you're just one step away.

it's just that easy 🤝

Michael Alarcon

Licensed Financial Professional

310-654-1061

License: OH76317

CA, TX, PA, FL, AL, GA, NJ

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P.S. - reply "30" and i'll hook you up with my attorney for living trusts, wills, legacy planning, special needs trusts.

5525 N Union Blvd. Suite 200 , Colorado Springs, CO 80918
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