Rising taxes - Future market crashes - Fees
They can reduce your 401k/qualified plan by as much as 35% to 50%. Do you know how MUCH your 401k will provide in retirement, or when it may run out? Would you like to find out?
The TFRA program (The 401k Alternative) on the other hand is Guaranteed to be:
- Tax-free income for life.
- Zero Loss in a Market Crash.
- Living Benefits.
- Tax-Free death benefit to heirs.
The video shows a mathematical side-by-side comparison of a 401k vs. a TFRA.
Enlarge the screen for best viewing.
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Validation of Congressional Acts
TEFRA, DEFRA, and TAMRA are three pieces of U.S. legislation that have significant implications for life insurance policies:
- TEFRA (Tax Equity and Fiscal Responsibility Act of 1982): This act laid the groundwork for tax-deferred growth within life insurance policies, allowing policyholders to experience the compounding of their investments without immediate tax consequences1.
- DEFRA (Deficit Reduction Act of 1984): Building on TEFRA, DEFRA emphasizes efficient premium payments and addresses modifications to policy loans to ensure that policyholders maintain eligibility for favorable tax treatment1.
- TAMRA (Technical and Miscellaneous Revenue Act of 1988): TAMRA introduced reforms to sustain the tax benefits over time, maintaining the tax-deferred status of policy growth1.
These acts collectively impact how life insurance is defined, the calculation of premiums, cash value, and death benefits, and they establish rules to prevent the use of life insurance as a tax shelter. Understanding these rules is crucial for policyholders and agents to avoid adverse tax consequences and to maximize the financial benefits of life insurance policies1.
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