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How It Works

Estate Planning

How is Life Insurance used in Estate Planning?

Life Insurance can be used in Estate Planning a few different ways, but is

often used as a way to provide extra financial support to loved ones.

Life Insurance policies can help provide immediate funds to your family members which can be used to replace lost income, cover funeral costs, and pay off any debts. In many cases, these policies are exempt from the same taxes that your Estate will be subject to after death. It is not

uncommon for families to use Life Insurance funds to cover federal

Estate taxes, especially if there are any delays in the distribution of assets. Life Insurance is also frequently used in Estate Planning as a way to divide ownership of a family business. Many business owners will

take out a life insurance policy that specifically designates how

ownership will be divided after their death. If ownership is split

between heirs, each individual can then decide to sell or keep their

stake in the business. The purpose of these policies is to ensure a

smooth transition of ownership and to maintain business operations in

the event of death in the family.    

How Life Insurance can Benefit your Estate

Life insurance can benefit your Estate by providing financial protections to

your loved ones. Let’s say you have some outstanding debts at the time

of your death. While your family members would not be directly

responsible for paying them back, creditors could still go after your

Estate in probate court. Ultimately this could reduce your Estate and

what you left behind for loved ones. Life Insurance is one way to

protect your family’s finances, as the funds could be used to pay off


Income Planning


Although there are many potential sources of income there are only two that are guaranteed for life, Social Security and annuities. And of the several types of annuities we recommend, Fixed Indexed Annuities have unparalleled versatility in providing preservation, growth, and lifetime income for retirement.

Social Security was created to provide you with income for life. This income will last a lifetime because of our government’s ability to print money and raise taxes to keep the income coming. Most are well aware of Social Security. Although Social Security was never intended to be our sole source of retirement funds, for many it represents 1/3 to 1/2 of their retirement income.  

Fixed Indexed Annuities

are a type of annuity that provide several attractive features. First,

there is no market risk to your principal. Second, you can grow your

principal, benefiting by a rising market, but never be hurt when it

falls. Third, you can “turn on” income at any time, even as early as

thirty days after you have purchased a Fixed Indexed Annuity. Options

exist that allow you to fund the annuity with either IRA/401k pre-tax

funds or with already taxed funds. Using an IRA or 401k to buy an

annuity does not create a taxable event. Your funds will continue to

grow tax-free until you start taking income.

The Concept

Equity XL teaches the individual, families, and businesses how to have freedom from the traditional method of financing, which means you will no longer be dependent on banking institutions or finance providers for funds. By becoming your own bank, you are able to keep the loan interest as well as the principal- you take back control over the loan stipulations and, ultimately, you transform your debts into assets.

The Plan

Unlike financial advisors, who focus primarily on advising their clients about specific financial products they sell – 401k, IRA, Mutual Funds, & Stocks, our Financial Coaches teach a proven financial literacy program that is based on THE 7 STEPS OF MONEY MANAGEMENT. This program allows people to get immediate control of their spending, debts, savings, and taxation.

The Benefits

Equity XL is a proven system that is going to provide you with significant financial advantages and security. You will have great enjoyment knowing that you have a very unique ability to finance your cars, houses, college education and elimination ALL of your debt in years or less. By utilizing the Equity XL plan you will in essences create your OWN Bank, never having to depend on all the traditionally banks, financial institutes or the government for money or loans ever again.

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