Navigating the final stages of financing, armed with every tool and contact you need.

20 Nov 2023 · 1 min

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0:31

A short YouTube monologue (Nov 20, 2023) in which the speaker (Mark Evans DM) describes designing life insurance policies primarily for tax benefits and later-life cashflow rather than death benefits. The speaker explains borrowing against policy cash value to access tax-free funds, lowering the death benefit, and gives numeric examples: roughly $25–26M referenced for married-couple tax thresholds, the ability to borrow at age 60, and a scenario of $50,000/month for 25 years. The tone is practical and conversational, focused on planning mechanics and outcomes.

Questions this video answers

Approximately $25–26 million.

$50,000 per month for the next 25 years (example).

At 60 years old.

Chapters

I built insurance policies not for the death benefit, but for the tax opportunity. So when I die, things get paid off. What is it, 25, 26 million for a married couple right now? Yeah, yeah. So it was like, hey, that would be harnessed. But more importantly, like, when I turn 60, I could pull the way taxes are, my insurance policies are written is I could, like, borrow. That's how it's tax free. Right. Because you're not lending. You're not pulling it, you're borrowing it, kind of. You're not extracting. And then you push down your death benefit and all these other things. But it's 50 grand a month for the next 25 years kind of thing. But let's be honest, at 60 years old, 50 grand a month is not a lot of money.