Comparable to a Roth IRA, an Insurance Contract is funded with post-tax dollars. Since you’ve already paid your taxes today, the growth of the program is tax-free.

Insurance Contracts offer a guaranteed rate of return not subject to the market's volatility, liquid, no prohibited transactions, no early withdrawal fees, no RMDs, and most importantly, virtually no contribution or income limits.

The internal rate of return is comprised of a Guaranteed Rate of Return not subject to the volatility of the market and Non-Guaranteed Dividends. To illustrate “Non-Guaranteed Dividends,” let’s use Penn Mutual as an example, which is the primary mutual insurance company Lion’s Share Wealth uses for Insurance Contracts. They’ve been in business since 1847, and even though the dividends are “non-guaranteed,” they’ve been paid every year since their inception. Examples include being paid through the great depression, the dot-com bubble, and the financial collapse of 2008.

In 2008, 1,000+ financial institutions went insolvent as they were overleveraged, and not one nationwide Mutual Insurance company went insolvent as they don’t leverage. As of 2022, Penn Mutual has paid these non-guaranteed dividends for 175 years in a row! Mutual Insurance companies want an impressive track record of paying dividends to show their financial strength, which shows value when shopping for insurance.

Every carrier has a “baked in” charge of the initial contribution you make (called “Premium”), which varies from person to person based on several factors. Schedule a free consultation to determine what you’d experience in a bespoke illustration specifically tailored to your wants, desires, and needs.

401(k) contributions use pre-tax dollars where every dollar contributed and the growth experienced is tax-deferred. This poses a problem for 401(k) owners as the tax rate during retirement is unknown by anyone and is subject to change at the government’s discretion. Tax changes are a moving target, and it is estimated the tax code has been revised over 4,000 times in the last ten years (that’s more than once per day on average!). 401(k) owners are essentially writing a blank check to the government, saying “I agree to pay whatever tax rate you impose in the future unbeknownst to you and me today.” People choose to do this because they get a relatively insignificant tax deduction today for everything they contribute. Growth of a 401(k) is subject to the volatility of the market (since the Dow was created in 1896, it statistically has a 43% drop every 9.875 years), there are prohibited transactions, can only contribute up to $19,500 per year, any withdrawals before 59 ½ years old are subject to a 10% penalty + taxes on the contributions and growth, and whether you like it or not RMD’s (Required Minimum Distributions) must be made at 72 years old (which means paying taxes on retirement) or face additional penalties.

Roth IRA’s are arguably the best government-run retirement program. Contributions are made with post-tax dollars (opposite that of a 401[k]), and therefore the growth is tax-free. However, the government had the foresight to implement stifling limitations. You’re limited to contributing $6,000 per year, and if you earn more than $140,000 per year, you can no longer contribute to your program. There’s a 10% penalty to access your cash before you’re 59 ½ years old, and there are prohibited transactions.

An Insurance Contract has the same tax-exempt status as a Roth, with no downsides. There are no early withdrawal fees with an Insurance Contract and, most importantly, virtually no contribution or income limits.

When an Asset is sold to a Deferred Sales Trust (IRC 453), the taxes you would’ve paid today are deferred for 10-20 years. During this time, the proceeds from the sale are moved into your bespoke Insurance Contract penalty-free, which you can use at any time. When your Insurance Contract grows at a contractual rate of return, the growth is enough to mitigate or eliminate the tax bill due down the line.

Stocks of a Publicly held company is the ONLY asset class that cannot be sold to a Deferred Sales Trust. You can sell everything else from Stock of a Privately held company, Cryptocurrency, A Business, Commercial Real Estate, or Precious Metals on a tax-deferred basis.

The first step is determining the value of your qualified account(s) and drafting a plan to suit your needs. When the proposal is satisfactory, we go through the application process. When you’re approved, the legal work begins. This includes creating structures (Business Trust + LLC) and contacting the IRS to unlock those funds. Every Rollover client receives an approval letter from the IRS acknowledging the Rollover. The bare cost to do all this is $1,295, and the total cost is passed on to you. Ongoing annual tax filing and LLC filing is $1,595/year.

As we all know, interest doesn’t sleep. Most people pay off debts with cash, which is a zero-sum number and constantly behind on the interest. This is how a $300,000 house turns into $600,000 in payments throughout the 30-year note. When the same debts are paid using an Insurance Contract, you’re using a cash-backed asset earning interest which is the purest form of debt elimination.

If you have been overpaying on your debts, you would drop your monthly payment to the minimum allowed by your creditor and contribute the difference you have been paying into your Insurance Contract. If you’ve been making an extra mortgage payment each year, let’s include that too. Since your Insurance Contract will replace your current life insurance policy (if you have one), your premiums will be moved into this program, and if you’ve been putting cash in a savings account, let’s put this into your contract as well. In the end, it’s the same amount per month, with the extra being contributed to an insurance contract.

When your cash value has exceeded the amount of your smallest debt, it’s used to pay off the debt in one lump sum, and the payment you were making to your debt now gets rolled into your insurance contract. This method allows you to pay off your debts in ⅓ the time and builds a more significant tax-free retirement.

When you establish an insurance contract, you own it…it’s yours. Using a method known as OPM (Open Platform Monetization or “Other People’s Money”), you’re using bank loans at a low-interest rate to supercharge your growth and earn interest on a large number that grows every year.

Let’s say you have $100,000 to contribute from day one. Your contract would be set up for $100,000 per year for 20 years contributed to the program. You make the first contribution of $100,000 to your contract to establish your program. 12 months later, the next $100,000 contribution is due. This new contribution doesn’t come out of your pocket, instead it’s in the form of a loan from a financial institution. We go to a loan provider and say, “this person has $100,000 in their insurance contract, and would like a loan for $100,000” and are now earning a guaranteed rate of return on $200,000 on your original $100,000. Since your insurance contract is a cash-backed asset, there isn’t a traditional lending process, and the loan is done in a timely fashion as the insurance contract becomes the collateral for the loan. 12 months later, the next $100,000 contribution is due, and this new contribution doesn’t come out of your pocket either. We go to the loan provider and say, “this person has $200,000 in their program, $100,000 is already collateralized in the form of a loan, and would like a $100,000 for the non-collateralized amount,” and now you’re earning a guaranteed rate of return on $300,000 on your original $100,000 deposit – this process is repeated for the next 20 years! In the end, you’re earning interest on $2 million on your original $100,000 contribution.

This method is comparable to Premium Finance. However, with Premium Finance, you must service accrued interest, must have an exit strategy, cannot take distributions while contributions are being made, and must make the deficit out of pocket. OPM is Premium Finance on Steroids as OPM is not subject to these downsides. It offers all of the upsides and none of the downsides.

Most employers choose to be competitive in the job marketplace by offering a retirement account. Setting up, facilitating, and maintaining an Employer-Sponsored 401(k) can be a significant cost for small and large businesses. Setting up an insurance contract for employees is simple; the cost is $0 to set up, facilitate, and maintain, as an insurance contract isn’t subject to the same mandatory testing a 401(k) requires from the IRS. Also, every dollar contributed is tax-deductible, and this program creates employee loyalty.

When an employee has a 401(k), they can take it to another employer to contribute to their program, which creates no loyalty. With an Insurance Contract, you set the rules and choose the vesting period. For example, you can choose 50% vests after five years, then 10% each year after that. If an employee decides to job hunt after three years and sees their growing tax-free retirement, they may think twice about seeking employment elsewhere. Or you can choose the employee to have access to 100% of their program starting day 1, and they have complete access. This is useful if the employee has an emergency as they’re not asking for a pay advance, as they can access their cash whenever they please.

While the cash is in the contract, its principal is protected and earns a guaranteed rate of return not subject to the market's volatility. Each contract holder is responsible for their funds. Unlike a 401(k) where you’re (mostly) bound to the custodian company’s offerings, with an insurance contract, if you take cash and buy an asset, and that asset goes down in value…that’s your responsibility.

Yes, Insurance Contracts can be utilized by residents around the world and enjoy the same tax-exempt status. This can be done by giving financial presence in the United States, or providing an insurance contract from a carrier in your home country.