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Asset Protection of Cash Value Life Insurance, Annuities, and IRAs

Here at the Asset Protection Society (APS™) we stress the importance of protecting ALL of your assets.  Every estate plan should include asset protection; without it, even the “best” estate and financial plan can be rendered meaningless. There are many ways to protect assets.  You can loo...
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Creditor protection Laws for LI and Annuities

In addition to the tax free/wealth building benefits of life insurance (see Retirement Life™), life insurance also receives creditor protection under state laws and the federal bankruptcy code. Quick Guide Alabama NON-BANKRUPTCY Death Benefit: Proceeds are exempt from the debts of the insured or...
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Equity Indexed Annuities

Guaranteed Income Benefits Good or Bad? By: Roccy DeFrancesco, JD, CWPP™, CAPP™, CMP™ Copyright 2007, The WPI As many of you may be aware, some insurance companies who sell Equity Indexed Annuities (EIAs) (also now called Fixed Indexed Annuities), have added a “guaranteed income benefit” r...
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WI – LI, Annuities, and IRA Exemptions

Wisconsin Life Insurance, Annuity, and IRA Exemptions Life Insurance and Annuities If reasonably necessary to support the debtor, any policies on the life of someone whom the debtor, at the time of the insured’s death, depended on for support of him/herself or his/her dependents are exempt.  815....
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VA – LI, Annuities, and IRA exemptions

Virginia Life Insurance, Annuity, and IRA Exemption Life Insurance Proceeds of insurance policies created by the insured on his life for the benefit of another are exempt.  To see this statute, please click here. Group life insurance policies and proceeds are exempt.  To see this statute, please ...
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