Everything is TAXES when your estate is above approximately $1 million dollars. EVERYTHING IS TAXES. Estate Taxes start at $2 million for a married couple.

That Tax ranges from 37.5% to 55% on the excess over the two million dollars. Income tax and inheritance tax can start below that $2 million dollar mark. If you have Annuities or IRA's or 401(k)'s, etc. they can be taxed as Ordinary Income. To you it's income, to your heirs it's inheritance & income. Your Annuity is going to be taxed on the gain. Your IRA is taxed on the whole thing, because you deducted it from your income (Pre-taxed dollars) and deferred the tax until later.

Now, many of the Baby Boomers have these "Qualified" accounts, and are now going to pay the price of Taxes. Their heirs will pay the price on those accounts that are not spent down. And, they can get as little as .22 cents on the dollar.

ALL of this can be avoided now, by just paying a little tax now instead of a Huge tax later on. Here are two examples  (example 2 assumes a 60 year old male buying $3 million dollars of coverage - cost about $1 million):

Example #1 - A married couple with:
- $1 million dollars in the Bank
- $1 million dollar Home
- $1 million dollars in an Annuity / IRA
NET ESTATE TO HEIRS: about $2.5 million dollars

Example #2 - A married couple with:
- $1 million dollars in the Bank
- $1 million dollar Home
- $1 million dollars (Safe / Liquid Cash) in a paid-up $3 million dollar Life Insurance policy (kept out of the estate with proper ownership)
NET ESTATE TO HEIRS: about $5 million dollars - DOUBLE THE FIRST CASE!

Call us direct now for an Estate Review at No cost and No obligation @ 760.788.5777 or Just fill in the consultation form and send it in.