STARLAKEPLAN

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• Set up mortgage protection plan (term life insurance or universal life insurance) to pay for the mortgage in the event of death, illness and injury and protect the family from losing their homes and properties.

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• Enroll in Multi Year Guarantee Annuity MYGA to grow their cash/IRA/401k account value at a fixed guaranteed interest rate much higher than bank savings and CDs. 

 

• Enroll in Fixed Indexed Annuity FIA to grow account value 150% of index return tax-deferred without market downturn risk and +35% opening account bonus. Cash/IRA/401k/CD/exiting annuity welcome.  

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• Enroll in Fixed Indexed Annuity FIA to grow retirement income value 250% of index return tax-deferred without market downturn risk and +25% premium bonus. Cash/IRA/401k/CD/existing annuity welcome.  

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• Enroll in Life insurance to grow their cash value up to 270% of index return tax-deferred without market downturn risk. 

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• Upgrade existing life insurance and annuity plans.

 

• Set up lifetime retirement income plans much better than government social security. 

 

• Set up estate tax plans to reduce the estate tax especially with rising tax rate and lower exemption. 

 

• Set up college tuition funds to pay for their kids' college tuition better than 529 plans. 

 

• Set up plans with living benefits and accelerated benefits riders (ABR)  to protect against terminal, chronic, critical illness, and critical injury, 

 

• Setup plans with long-term care (LTC) benefits.

 

• Set up plans to return the premium (ROP) paid at the end of the contract term.

 

• Set up plans to increase investment leverage by premium financing.

 

• Set up plans to transfer wealth to their heirs tax-free. 

 

• Set up plans to protect their assets against creditors.

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• Set up plans to supplement ~10x of annual income tax-free in case unexpected events happen.