The Tax-Free Retirement Engine: All Aboard…An American Story

The Tax-Free Retirement Engine

All aboard … An American Story

Over a hundred and fifty years ago an American engine was built to make special financial benefits available to all citizens. It was perfect.  It worked.  It was risk and maintenance free. It had inherent social and tax benefits that remain sacred today.

But times change and new “variable” financial engines, seemingly more exciting, were built.  The original perfect engine, perhaps now a bit boring, had to be improved to keep pace. But alas, as things continued to change (technology, expectations, and the economy) the “new” ones ran into problems.  Our original engine remained perfect, but still boring.

As people stopped embracing the new ones, even newer, more exciting, and riskier engines are built. The original is again forced to adjust with some updated and risk-free features of its own if it wants to retain the description of “still perfect.”

After a few more repetitions of this cycle, and more challenging issues to be dealt with such as changing tax laws, de-regulation, new regulations, and an economic meltdown that ultimately brings the risk-reward “benefits” of the newer more exotic engines into question, the enlightened begin to go back and examine the original (and still perfect) Tax-Free Retirement Engine which has retained all its benefits with no negative impact from the new regulatory rules, tax laws, and benefit distribution changes.

With all the issues that caused problems for other financial engines, and their consumer passengers, the original Tax-Free Engine didn’t breakdown.  It didn’t go “backwards” or “underwater.” It didn’t care which elected chief engineer or officials were in charge.  There will be no impact on our engine if income taxes go up, or estate tax laws change. Our little Tax-Free Engine is not influenced by negative or risky decisions. It is impervious to recessions.  You’re always in control.

The Tax-Free Engine was called permanent cash value life insurance. It was great back then, but with the new no risk “indexed” engine and “living benefit” feature in the event of critical, chronic or terminal illness, it is even better now.  It is still the perfect tax-free retirement engine…only more so!

 Written by Richard Drazien for the exclusive use of the Alliance Group

January 2012

Call or E-mail a time you would like us to get together  and help you with a personalized tax-free retirement method to meet your needs.

Living Benefits are the cornerstone of the edge that the Alliance Group provides for its clients.

Most people purchase life insurance to provide a legacy of financial security at the time of their death. But doesn’t it make sense for the benefits to extend and be available for the difficult financial times they have to face if a chronic, critical or terminal illness precedes death? The industry calls the benefit an “Accelerated Death Benefit Rider.” We refer to it as real Living Benefits.

Most of us are in this profession because of a sincere desire to help others in a manner that is both unique and timely. Living Benefits is one of the reasons why the Alliance family of agents is so passionate about what we do every day.

Here is an all too common scenario.

• The insured has purchased a universal life or term insurance policy from an Alliance representative.
• Months or years later, a chronic, critical or terminal illness occurs, and money is needed due to the necessity for special care or expensive alternative treatment not covered by their health insurance; or to replace the income of the insured or the family member who volunteers to stay home as caregiver; or perhaps to just fulfill the insured’s living wish before the end of life.
• In real life, families want to provide for the needs of the grandparent, parent, or child who became ill now, and not wait for the legacy of an insurance death benefit.
• Combined with the ageless tax advantages inherent in a life insurance contract, if this living feature was better known more people would buy life insurance for the “living benefits” than just the death benefit.
• Other insurance carriers who may offer it charge an additional premium for their accelerated death benefit rider.
• The companies selected by the Alliance Group include the living benefits rider at no additional premium cost to the insured, with no separate underwriting requirements.

That is what distinguishes the Alliance Group from all others and allows us to build An Alliance for Life between our agents and their clients!

As an agent representing Alliance, I am proud to serve and offer living benefits as you have need.  Please call or email me a time you would like us to get together and put these benefits in place for you. 

303-903-3117 or clark@clarkduncan.com

You are cordially invited to come to attend: “Money 101 Workshops”

We all go to school 12-16 years and learn reading, writing, & arithmetic,

But never learn anything about: “How money really works!”

Learn how to apply financial principals to grow AND PROTECT your money for

College funding, retirement planning, or simply wealth accumulation –with

Money you never even knew you had!

So please look at the dates, time and location that bests fits your schedule, and then please call or email me to RSVP for these Free Dinner Workshops.

MARCH 5th, 6:30 PM

Money 101, South Denver
Pasquini’s
8101 E Belleview Ave
Denver CO

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MARCH 6, 2011 – NEW LOCATION

Money 101, North Denver
Cozy Cottage
4363 Tennyson
Denver CO 80212

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MARCH 7, 2011 – COLORADO SPRINGS AREA

Money 101, Colorado Springs
TGIF Fridays
7061 Commerce Ctr Drive
Colorado Springs CO 80919

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MARCH 20TH – NORTHERN COLORADO AREA

Money 101, Johnsons Corner
Johnsons Corner
2842 SE Frontage Road
Johnstown CO 80534

Call Clark Duncan : 303-903-3117 or Email: clark@clarkduncan.com

If ever there is a time to consider a message, it is now.  Please watch the following link, which comes from CBS- 60 minutes.  If you would like to find a real place to grow money and never have a chance of losing as this video shows, then call me or email me for an appointment.  I hope to bring back the dreams of retirement for middle -America.

http://www.facebook.com/l.php?u=http%3A%2F%2Fwww.cbsnews.com%2Fvideo%2Fwatch%2F%3Fid%3D4955194n%26tag%3Drelated%253Bphotovideo%253Ftag%253Dfacebook&h=535cc

I look forward to helping you soon.